https://spcpub.com/stories/untitled,5226 The CSR Advisor en 2006-08-01 https://spcpub.com/stories/the-evolution-of-inland-marine-insurance,5227 The CSR Advisor en 2006-08-01 The evolution of inland marine insurance https://spcpub.com/stories/are-large-vans-insurable,5228 The CSR Advisor en 2006-08-01 Are large vans insurable? https://spcpub.com/stories/more-flood-insurance-changes,5229 The CSR Advisor en 2006-08-01 More flood insurance changes? https://spcpub.com/stories/letting-stress-make-our-choices,5230 The CSR Advisor en 2006-08-01 Letting stress make our choices https://spcpub.com/stories/can-a-severability-clause-create-coverage,5231 The CSR Advisor en 2006-08-01 Can a severability clause create coverage? https://spcpub.com/stories/new-commercial-property-exclusion,5232 The CSR Advisor en 2006-08-01 New commercial property exclusion https://spcpub.com/stories/employees-driving-their-own-vehicles,5233 The CSR Advisor en 2006-08-01 Employees driving their own vehicles https://spcpub.com/stories/did-you-know,5234 The CSR Advisor en 2006-08-01 Did you know? https://spcpub.com/stories/monthly-quiz,5235 The CSR Advisor en 2006-08-01 Monthly quiz https://spcpub.com/stories/builders-risk,5237 The CSR Advisor en 2006-12-01 Builders risk https://spcpub.com/stories/should-you-tell-your-insureds-to-purchase-a-loss-damage-waiver,5238 The CSR Advisor en 2006-12-01 Should you tell your insureds to purchase a loss damage waiver?  https://spcpub.com/stories/how-you-can-learn-from-holiday-shopping,5239 The CSR Advisor en 2006-12-01 How you can learn from holiday shopping https://spcpub.com/stories/can-a-commute-benefit-the-employer,5240 The CSR Advisor en 2006-12-01 Can a commute benefit the employer? https://spcpub.com/stories/does-your-insured-need-liquor-liability-coverage,5241 The CSR Advisor en 2006-12-01 Does your insured need liquor liability coverage? https://spcpub.com/stories/did-you-know,5242 The CSR Advisor en 2006-12-01 Did you know? https://spcpub.com/stories/monthly-quiz,5243 The CSR Advisor en 2006-12-01 Monthly quiz https://spcpub.com/stories/who-needs-e-commerce-coverage,5245 The CSR Advisor en 2006-11-01 Who needs e-commerce coverage? https://spcpub.com/stories/a-look-at-bailee-exposures,5246 The CSR Advisor en 2006-11-01 A look at bailee exposures https://spcpub.com/stories/insuring-property-in-storage,5247 The CSR Advisor en 2006-11-01 Insuring property in storage https://spcpub.com/stories/be-careful-what-you-blog,5248 The CSR Advisor en 2006-11-01 Be careful what you blog https://spcpub.com/stories/if-the-government-prepares-why-should-we,5249 The CSR Advisor en 2006-11-01 If the government prepares, why should we? https://spcpub.com/stories/is-minimum-wage-a-fee-under-auto-exclusion,5250 The CSR Advisor en 2006-11-01 Is minimum wage a “fee” under auto exclusion? https://spcpub.com/stories/what-is-a-waiver-of-subrogation-clause,5251 The CSR Advisor en 2006-11-01 What is a waiver of subrogation clause? https://spcpub.com/stories/did-you-know,5252 The CSR Advisor en 2006-11-01 Did you know? https://spcpub.com/stories/monthly-quiz,5253 The CSR Advisor en 2006-11-01 Monthly quiz https://spcpub.com/stories/preparing-for-the-busy-season-insuring-fluctuating-property-values,5255 The CSR Advisor en 2006-10-01 Preparing for the busy season – insuring fluctuating property values https://spcpub.com/stories/when-is-business-use-covered-in-the-pap,5256 The CSR Advisor en 2006-10-01 When is business use covered in the PAP? https://spcpub.com/stories/insured-perils,5257 The CSR Advisor en 2006-10-01 Insured perils https://spcpub.com/stories/time-to-get-a-flu-shot,5258 The CSR Advisor en 2006-10-01 Time to get a flu shot https://spcpub.com/stories/can-insurers-subrogate-against-additional-insureds,5259 The CSR Advisor en 2006-10-01 Can insurers subrogate against additional insureds? https://spcpub.com/stories/inherent-defects-insurance,5260 The CSR Advisor en 2006-10-01 Inherent defects insurance https://spcpub.com/stories/did-you-know,5261 The CSR Advisor en 2006-10-01 Did you know? https://spcpub.com/stories/monthly-quiz,5262 The CSR Advisor en 2006-10-01 Monthly quiz https://spcpub.com/stories/can-insurers-weather-global-warming,5264 The CSR Advisor en 2006-09-01 Can insurers weather global warming? https://spcpub.com/stories/fair-plans-past-and-present,5265 The CSR Advisor en 2006-09-01 FAIR Plans past and present https://spcpub.com/stories/how-customer-service-is-like-teaching-kindergarten,5266 The CSR Advisor en 2006-09-01 How customer service is like teaching kindergarten https://spcpub.com/stories/motor-vehicle-deaths-decreasing-but-why,5267 The CSR Advisor en 2006-09-01 Motor vehicle deaths decreasing – but why? https://spcpub.com/stories/pollution-and-the-commercial-auto-policy,5268 The CSR Advisor en 2006-09-01 Pollution and the commercial auto policy https://spcpub.com/stories/duty-to-the-insured,5269 The CSR Advisor en 2006-09-01 Duty to the insured https://spcpub.com/stories/insuring-the-harvest,5270 The CSR Advisor en 2006-09-01 Insuring the harvest https://spcpub.com/stories/monthly-quiz,5271 The CSR Advisor en 2006-09-01 Monthly quiz https://spcpub.com/stories/teaching-yourself-creativity,5273 The CSR Advisor en 2006-07-01 Teaching yourself creativity https://spcpub.com/stories/flood-coverage-is-important-for-autos-too,5274 The CSR Advisor en 2006-07-01 Flood coverage is important for autos too https://spcpub.com/stories/computer-fraud-coverage-changes,5275 The CSR Advisor en 2006-07-01 Computer fraud coverage changes https://spcpub.com/stories/csr-of-the-year-state-winners,5276 The CSR Advisor en 2006-07-01 CSR of the year state winners https://spcpub.com/stories/how-much-is-the-property-worth,5277 The CSR Advisor en 2006-07-01 How much is the property worth? https://spcpub.com/stories/are-insurers-responsible-for-agents-mistakes,5278 The CSR Advisor en 2006-07-01 Are insurers responsible for agents’ mistakes? https://spcpub.com/stories/employers-liability-coverage-in-monopolistic-states,5279 The CSR Advisor en 2006-07-01 Employers liability coverage in monopolistic states https://spcpub.com/stories/monthly-quiz,5280 The CSR Advisor en 2006-07-01 Monthly quiz https://spcpub.com/stories/business-income-the-good-the-bad-and-the-coinsurance,5282 The CSR Advisor en 2006-06-01 Business income: the good, the bad, and the coinsurance https://spcpub.com/stories/changes-to-employee-theft-coverage,5283 The CSR Advisor en 2006-06-01 Changes to employee theft coverage https://spcpub.com/stories/coworkers-stress-relief-or-stress-inducing,5284 The CSR Advisor en 2006-06-01 Coworkers: stress relief or stress inducing? https://spcpub.com/stories/should-the-insurer-be-paying-twice-as-much,5285 The CSR Advisor en 2006-06-01 Should the insurer be paying twice as much? https://spcpub.com/stories/why-check-identification,5286 The CSR Advisor en 2006-06-01 Why check identification? https://spcpub.com/stories/monthly-quiz,5287 The CSR Advisor en 2006-06-01 Monthly quiz https://spcpub.com/stories/iso-revises-its-crime-policies,5289 The CSR Advisor en 2006-05-01 ISO revises its crime policies https://spcpub.com/stories/correction,5290 The CSR Advisor en 2006-05-01 Correction https://spcpub.com/stories/to-kiss-or-not-to-kiss-in-greeting,5291 The CSR Advisor en 2006-05-01 To kiss or not to kiss in greeting https://spcpub.com/stories/gambling-with-insurance,5292 The CSR Advisor en 2006-05-01 Gambling with insurance https://spcpub.com/stories/who-gets-reinsurance-payments,5293 The CSR Advisor en 2006-05-01 Who gets reinsurance payments? https://spcpub.com/stories/when-does-replacement-cost-have-to-be-paid,5294 The CSR Advisor en 2006-05-01 When does replacement cost have to be paid? https://spcpub.com/stories/how-are-safety-groups-and-self-insurance-groups-different,5295 The CSR Advisor en 2006-05-01 How are safety groups and self-insurance groups different? https://spcpub.com/stories/monthly-quiz,5296 The CSR Advisor en 2006-05-01 Monthly quiz https://spcpub.com/stories/how-unusual-work-arrangements-can-affect-workers-compensation,5298 The CSR Advisor en 2006-04-01 How unusual work arrangements can affect workers compensation https://spcpub.com/stories/iso-reacts-to-the-tria-extension,5299 The CSR Advisor en 2006-04-01 ISO reacts to the TRIA extension https://spcpub.com/stories/insureds-underestimate-risk,5300 The CSR Advisor en 2006-04-01 Insureds underestimate risk https://spcpub.com/stories/what-you-should-know-about-reinsurance,5301 The CSR Advisor en 2006-04-01 What you should know about reinsurance https://spcpub.com/stories/organize-for-customer-service,5302 The CSR Advisor en 2006-04-01 Organize for customer service https://spcpub.com/stories/are-fines-and-penalties-ever-compensable,5303 The CSR Advisor en 2006-04-01 Are fines and penalties ever compensable?  https://spcpub.com/stories/should-your-insured-hire-a-public-adjuster,5304 The CSR Advisor en 2006-04-01 Should your insured hire a public adjuster? https://spcpub.com/stories/monthly-quiz,5305 The CSR Advisor en 2006-04-01 Monthly quiz https://spcpub.com/stories/how-broad-is-the-duty-to-defend,5307 The CSR Advisor en 2006-03-01 How broad is the duty to defend? https://spcpub.com/stories/leasehold-interest,5308 The CSR Advisor en 2006-03-01 Leasehold interest https://spcpub.com/stories/wounded-veterans-and-workers-compensation,5309 The CSR Advisor en 2006-03-01 Wounded veterans and workers compensation https://spcpub.com/stories/most-insureds-dont-understand-deductibles,5310 The CSR Advisor en 2006-03-01 Most insureds don’t understand deductibles https://spcpub.com/stories/how-to-prevent-procrastination,5311 The CSR Advisor en 2006-03-01 How to prevent procrastination https://spcpub.com/stories/dont-be-eloquent-just-be-clear,5312 The CSR Advisor en 2006-03-01 Don’t be eloquent; just be clear https://spcpub.com/stories/coverage-territory,5313 The CSR Advisor en 2006-03-01 Coverage territory https://spcpub.com/stories/does-a-drug-free-workplace-program-earn-a-discount,5314 The CSR Advisor en 2006-03-01 Does a drug-free workplace program earn a discount? https://spcpub.com/stories/monthly-quiz,5315 The CSR Advisor en 2006-03-01 Monthly quiz https://spcpub.com/stories/additional-insureds,5317 The CSR Advisor en 2006-02-01 Additional insureds https://spcpub.com/stories/difference-in-conditions-policies,5318 The CSR Advisor en 2006-02-01 Difference in conditions policies https://spcpub.com/stories/forgery-or-alteration-coverage,5319 The CSR Advisor en 2006-02-01 Forgery or alteration coverage https://spcpub.com/stories/collectible-firearms,5320 The CSR Advisor en 2006-02-01 Collectible firearms https://spcpub.com/stories/is-rain-a-separate-cause-of-loss,5321 The CSR Advisor en 2006-02-01 Is rain a separate cause of loss? https://spcpub.com/stories/nonverbal-communication-and-customer-service,5322 The CSR Advisor en 2006-02-01 Nonverbal communication and customer service https://spcpub.com/stories/how-do-lemon-laws-affect-insurance,5323 The CSR Advisor en 2006-02-01 How do lemon laws affect insurance? https://spcpub.com/stories/just-the-facts-but-what-are-they,5324 The CSR Advisor en 2006-02-01 Just the facts. But what are they? https://spcpub.com/stories/monthly-quiz,5325 The CSR Advisor en 2006-02-01 Monthly quiz https://spcpub.com/stories/crime-coverage,5327 The CSR Advisor en 2006-01-01 Crime coverage https://spcpub.com/stories/wood-stoves,5328 The CSR Advisor en 2006-01-01 Wood stoves https://spcpub.com/stories/finally-a-decision-on-tria,5329 The CSR Advisor en 2006-01-01 Finally – a decision on TRIA https://spcpub.com/stories/does-automation-lead-to-fewer-eo-claims,5330 The CSR Advisor en 2006-01-01 Does automation lead to fewer E&O claims? https://spcpub.com/stories/did-the-insured-intend-to-lose-its-subcontractors-money,5331 The CSR Advisor en 2006-01-01 Did the insured intend to lose its subcontractors’ money? https://spcpub.com/stories/insuring-intellectual-property,5332 The CSR Advisor en 2006-01-01 Insuring intellectual property https://spcpub.com/stories/did-you-know,5333 The CSR Advisor en 2006-01-01 Did you know? https://spcpub.com/stories/monthly-quiz,5334 The CSR Advisor en 2006-01-01 Monthly quiz https://spcpub.com/stories/untitled,5336 The CSR Advisor en 2007-01-01 https://spcpub.com/stories/antique-auto-insurance,5337 The CSR Advisor en 2007-01-01 Antique auto insurance https://spcpub.com/stories/insuring-accounts-receivable,5338 The CSR Advisor en 2007-01-01 Insuring accounts receivable https://spcpub.com/stories/learn-something-new-for-the-new-year,5339 The CSR Advisor en 2007-01-01 Learn something new for the new year https://spcpub.com/stories/is-a-building-vacant-while-being-renovated,5340 The CSR Advisor en 2007-01-01 Is a building vacant while being renovated? https://spcpub.com/stories/test-your-knowledge-,5341 The CSR Advisor en 2007-01-01 Test your knowledge … https://spcpub.com/stories/should-your-insured-have-workers-compensation-coverage-in-every-state,5342 The CSR Advisor en 2007-01-01 Should your insured have workers compensation coverage in every state? https://spcpub.com/stories/did-you-know,5343 The CSR Advisor en 2007-01-01 Did you know? https://spcpub.com/stories/monthly-quiz,5344 The CSR Advisor en 2007-01-01 Monthly quiz https://spcpub.com/stories/adapting-to-the-market-iso-revises-its-epl-program,5346 The CSR Advisor en 2007-06-01 Adapting to the market – ISO revises its EPL program https://spcpub.com/stories/what-not-to-wear-to-work-this-summer,5347 The CSR Advisor en 2007-06-01 What not to wear to work this summer https://spcpub.com/stories/shared-custody-and-the-homeowners-policy,5348 The CSR Advisor en 2007-06-01 Shared custody and the homeowners policy https://spcpub.com/stories/accidents-do-happen-insuring-special-events,5349 The CSR Advisor en 2007-06-01 Accidents do happen – insuring special events https://spcpub.com/stories/does-coverage-for-invasion-of-privacy-apply-to-insureds-e-mail-newsletter,5350 The CSR Advisor en 2007-06-01 Does coverage for invasion of privacy apply to insured’s e-mail newsletter? https://spcpub.com/stories/untitled,5351 The CSR Advisor en 2007-06-01 https://spcpub.com/stories/reservation-of-rights-letters,5352 The CSR Advisor en 2007-06-01 Reservation of rights letters https://spcpub.com/stories/untitled,5353 The CSR Advisor en 2007-06-01 https://spcpub.com/stories/why-they-leave-one-customers-story,5355 The CSR Advisor en 2008-01-01 Why they leave: one customer’s story https://spcpub.com/stories/explaining-premium-differences,5356 The CSR Advisor en 2008-01-01 Explaining premium differences https://spcpub.com/stories/did-you-know,5357 The CSR Advisor en 2008-01-01 Did you know? https://spcpub.com/stories/monthly-quiz,5358 The CSR Advisor en 2008-01-01 Monthly quiz https://spcpub.com/stories/uninsured-motorists-coverage-in-the-personal-auto-policy,5360 The CSR Advisor en 2008-02-01 Uninsured motorists coverage in the Personal Auto Policy https://spcpub.com/stories/when-can-a-policy-be-cancelled,5361 The CSR Advisor en 2008-02-01 When can a policy be cancelled? https://spcpub.com/stories/underinsured-motorist-coverage,5362 The CSR Advisor en 2008-02-01 Underinsured motorist coverage https://spcpub.com/stories/monthly-quiz,5363 The CSR Advisor en 2008-02-01 Monthly quiz https://spcpub.com/stories/what-to-do-before-and-after-a-tornado,5365 The CSR Advisor en 2008-03-01 What to do before and after a tornado https://spcpub.com/stories/hello-goodbye,5366 The CSR Advisor en 2008-03-01 Hello, goodbye https://spcpub.com/stories/did-you-know,5367 The CSR Advisor en 2008-03-01 Did you know? https://spcpub.com/stories/fine-line-between-cgl-and-professional-liability-claims,5369 The CSR Advisor en 2008-06-01 Fine line between CGL and professional liability claims https://spcpub.com/stories/how-should-costs-be-divided,5370 The CSR Advisor en 2008-06-01 How should costs be divided? https://spcpub.com/stories/medical-payments-to-others-coverage,5371 The CSR Advisor en 2008-06-01 Medical payments to others coverage https://spcpub.com/stories/how-will-insurers-respond-to-nanotechnology,5372 The CSR Advisor en 2008-06-01 How will insurers respond to nanotechnology? https://spcpub.com/stories/the-value-of-the-network,5373 The CSR Advisor en 2008-06-01 The value of the network https://spcpub.com/stories/should-you-store-your-insureds-inventory,5374 The CSR Advisor en 2008-06-01 Should you store your insured’s inventory? https://spcpub.com/stories/new-excess-coverage-form-from-iso,5377 The CSR Advisor en 2008-08-01 New excess coverage form from ISO https://spcpub.com/stories/mortgagees-and-loss-payees,5378 The CSR Advisor en 2008-08-01 Mortgagees and loss payees https://spcpub.com/stories/an-agents-duties,5379 The CSR Advisor en 2008-08-01 An agent’s duties https://spcpub.com/stories/is-the-lienholder-entitled,5380 The CSR Advisor en 2008-08-01 Is the lienholder entitled https://spcpub.com/stories/time-management,5381 The CSR Advisor en 2008-08-01 Time management https://spcpub.com/stories/why-is-a-certificate-of-insurance-important,5382 The CSR Advisor en 2008-08-01 Why is a certificate of insurance important? https://spcpub.com/stories/the-costly-process-of-removing-trees,5383 The CSR Advisor en 2008-08-01 The costly process of removing trees https://spcpub.com/stories/monthly-quiz,5375 The CSR Advisor en 2008-06-01 Monthly quiz https://spcpub.com/stories/monthly-quiz,5384 The CSR Advisor en 2008-08-01 Monthly quiz https://spcpub.com/stories/how-much-will-underinsured-motorist-coverage-pay,5386 The CSR Advisor en 2008-09-01 How much will underinsured motorist coverage pay? https://spcpub.com/stories/a-big-loss-from-a,5387 The CSR Advisor en 2008-09-01 A big loss from a https://spcpub.com/stories/residence-employees-and-workers-compensation,5388 The CSR Advisor en 2008-09-01 Residence employees and workers compensation https://spcpub.com/stories/excluding-business-risks-in-the-cgl,5389 The CSR Advisor en 2008-09-01 Excluding “business risks” in the CGL https://spcpub.com/stories/explaining-catastrophe-models-to-your-insureds,5390 The CSR Advisor en 2008-09-01 Explaining catastrophe models to your insureds https://spcpub.com/stories/use-your-time-off,5391 The CSR Advisor en 2008-09-01 Use your time off https://spcpub.com/stories/did-you-know,5392 The CSR Advisor en 2008-09-01 Did you know? https://spcpub.com/stories/monthly-quiz,5393 The CSR Advisor en 2008-09-01 Monthly quiz https://spcpub.com/stories/changes-to-the-commercial,5395 The CSR Advisor en 2008-10-01 Changes to the commercial https://spcpub.com/stories/recognizing-insurance-fraud,5396 The CSR Advisor en 2008-10-01 Recognizing insurance fraud https://spcpub.com/stories/what-was-the-occurrence,5397 The CSR Advisor en 2008-10-01 What was the occurrence? https://spcpub.com/stories/prejudgment-and-postjudgment-interest,5398 The CSR Advisor en 2008-10-01 Prejudgment and postjudgment interest https://spcpub.com/stories/coping-with-angry-customers,5399 The CSR Advisor en 2008-10-01 Coping with angry customers https://spcpub.com/stories/flood-insurance-rates,5400 The CSR Advisor en 2008-10-01 Flood insurance rates https://spcpub.com/stories/auto-insurance-on-a-road-trip,5402 The CSR Advisor en 2008-11-01 Auto insurance on a road trip https://spcpub.com/stories/balancing-policy-exclusions-and-public-policy,5403 The CSR Advisor en 2008-11-01 Balancing policy exclusions and public policy https://spcpub.com/stories/coverage-for-landlords-in-the-homeowners-policy,5404 The CSR Advisor en 2008-11-01 Coverage for landlords in the homeowners policy https://spcpub.com/stories/is-the-employer-liable,5405 The CSR Advisor en 2008-11-01 Is the employer liable https://spcpub.com/stories/position-yourself,5406 The CSR Advisor en 2008-11-01 Position yourself https://spcpub.com/stories/monthly-quiz,5407 The CSR Advisor en 2008-11-01 Monthly quiz https://spcpub.com/stories/the-homeowners-policy-on-vacation,5409 The CSR Advisor en 2009-01-01 The homeowners policy on vacation https://spcpub.com/stories/if-an-employer-is-liable-can-it-be-sued,5410 The CSR Advisor en 2009-01-01 If an employer is liable, can it be sued? https://spcpub.com/stories/cope-ing-with-unpredictability,5411 The CSR Advisor en 2009-01-01 COPE-ing with unpredictability https://spcpub.com/stories/simple-ways-to-avoid-eo-claims,5412 The CSR Advisor en 2009-01-01 Simple ways to avoid E&O claims https://spcpub.com/stories/how-does-bankruptcy-affect-insurance-coverage,5413 The CSR Advisor en 2009-01-01 How does bankruptcy affect insurance coverage? https://spcpub.com/stories/the-state-of-the-industry,5414 The CSR Advisor en 2009-01-01 The state of the industry https://spcpub.com/stories/monthly-quiz,5415 The CSR Advisor en 2009-01-01 Monthly quiz https://spcpub.com/stories/who-needs-a-personal-umbrella,5417 The CSR Advisor en 2009-02-01 Who needs a personal umbrella? https://spcpub.com/stories/is-allowing-minors-to-drink-alcohol-an-occurrence,5418 The CSR Advisor en 2009-02-01 Is allowing minors to drink alcohol an occurrence? https://spcpub.com/stories/how-sleep-affects-your-work,5419 The CSR Advisor en 2009-02-01 How sleep affects your work https://spcpub.com/stories/vendors-endorsements-how-useful-are-they,5420 The CSR Advisor en 2009-02-01 Vendors endorsements – how useful are they? https://spcpub.com/stories/when-does-the-impaired-property-exclusion-apply,5421 The CSR Advisor en 2009-02-01 When does the impaired property exclusion apply? https://spcpub.com/stories/uninsured-motorist-numbers-likely-to-rise,5422 The CSR Advisor en 2009-02-01 Uninsured motorist numbers likely to rise https://spcpub.com/stories/who-pays-legal-costs,5423 The CSR Advisor en 2009-02-01 Who pays legal costs? https://spcpub.com/stories/did-you-know,5424 The CSR Advisor en 2009-02-01 Did you know? https://spcpub.com/stories/monthly-quiz,5425 The CSR Advisor en 2009-02-01 Monthly quiz https://spcpub.com/stories/when-an-insurer-reserves-its-rights,5427 The CSR Advisor en 2009-03-01 When an insurer reserves its rights https://spcpub.com/stories/a-homeowners-claim-or-is-it-auto,5428 The CSR Advisor en 2009-03-01 A homeowners claim? Or is it auto? https://spcpub.com/stories/liability-for-a-family-members-accident,5429 The CSR Advisor en 2009-03-01 Liability for a family member’s accident https://spcpub.com/stories/should-you-tell-your-employer-about-a-chronic-illness,5430 The CSR Advisor en 2009-03-01 Should you tell your employer about a chronic illness? https://spcpub.com/stories/the-sophisticated-user-doctrine,5431 The CSR Advisor en 2009-03-01 The Sophisticated User doctrine https://spcpub.com/stories/preventing-further-damage,5432 The CSR Advisor en 2009-03-01 Preventing further damage https://spcpub.com/stories/identity-theft-is-increasing,5433 The CSR Advisor en 2009-03-01 Identity theft is increasing https://spcpub.com/stories/monthly-quiz,5434 The CSR Advisor en 2009-03-01 Monthly quiz https://spcpub.com/stories/time-to-think-about-flooding-again,5436 The CSR Advisor en 2009-04-01 Time to think about flooding again https://spcpub.com/stories/coverage-for-your-gadgets,5437 The CSR Advisor en 2009-04-01 Coverage for your gadgets https://spcpub.com/stories/new-technology-new-etiquette-dilemmas,5438 The CSR Advisor en 2009-04-01 New technology, new etiquette dilemmas https://spcpub.com/stories/if-a-wall-is-still-standing-did-it-collapse,5439 The CSR Advisor en 2009-04-01 If a wall is still standing, did it collapse? https://spcpub.com/stories/when-does-do-coverage-come-into-play,5440 The CSR Advisor en 2009-04-01 When does D&O coverage come into play? https://spcpub.com/stories/coverage-for-watercraft,5441 The CSR Advisor en 2009-04-01 Coverage for watercraft https://spcpub.com/stories/monthly-quiz,5442 The CSR Advisor en 2009-04-01 Monthly quiz https://spcpub.com/stories/insurance-considerations-for-first-time-home-buyers,5443 The CSR Advisor en 2009-05-01 Insurance considerations for first-time home buyers https://spcpub.com/stories/on-shaky-ground-the-side-effects-of-volcanoes,5444 The CSR Advisor en 2009-05-01 On shaky ground – the side effects of volcanoes https://spcpub.com/stories/the-risk-management-process,5445 The CSR Advisor en 2009-05-01 The risk management process https://spcpub.com/stories/does-federal-law-override-policy-limits,5446 The CSR Advisor en 2009-05-01 Does federal law override policy limits? https://spcpub.com/stories/adjusting-to-your-coworkers-quirks,5447 The CSR Advisor en 2009-05-01 Adjusting to your coworkers’ quirks https://spcpub.com/stories/coverage-for-volunteers,5448 The CSR Advisor en 2009-05-01 Coverage for volunteers https://spcpub.com/stories/did-you-know,5449 The CSR Advisor en 2009-05-01 Did you know? https://spcpub.com/stories/monthly-quiz,5450 The CSR Advisor en 2009-05-01 Monthly quiz https://spcpub.com/stories/how-do-pandemics-affect-the-insurance-industry,5452 The CSR Advisor en 2009-06-01 How do pandemics affect the insurance industry? https://spcpub.com/stories/read-the-policy,5453 The CSR Advisor en 2009-06-01 Read the policy! https://spcpub.com/stories/the-aging-of-the-insurance-industry,5454 The CSR Advisor en 2009-06-01 The aging of the insurance industry https://spcpub.com/stories/are-insurers-required-to-educate-insureds-about-court-decisions,5455 The CSR Advisor en 2009-06-01 Are insurers required to educate insureds about court decisions? https://spcpub.com/stories/better-business-grammar,5456 The CSR Advisor en 2009-06-01 Better business grammar https://spcpub.com/stories/coverage-for-an-airplane,5457 The CSR Advisor en 2009-06-01 Coverage for an airplane https://spcpub.com/stories/monthly-quiz,5458 The CSR Advisor en 2009-06-01 Monthly quiz https://spcpub.com/stories/is-personal-injury-coverage-necessary,5460 The CSR Advisor en 2009-07-01 Is personal injury coverage necessary? https://spcpub.com/stories/the-iso-homeowners-policy-covers-the-insured-for-damages-resulting-from-bodily-injury-or-property,5461 The CSR Advisor en 2009-07-01 The ISO homeowners policy covers the insured for damages resulting from bodily injury or property damage caused by an insured. Both terms are defined in the policy, but both are fairly well understood, anyway. The terms are defined in the policy much the https://spcpub.com/stories/personal-injury-on-the-other-hand-is-a-bit-more-complicated-though-not-typically-covered-by-the,5462 The CSR Advisor en 2009-07-01 Personal injury, on the other hand, is a bit more complicated. Though not typically covered by the homeowners policy, it can be added through endorsement HO 24 82. The endorsement covers personal injury arising out of: “1. False arrest, detention, or impr https://spcpub.com/stories/coverage-does-not-apply-to-personal-injury-caused-by-or-at-the-direction-of-an-insured,5463 The CSR Advisor en 2009-07-01 Coverage does not apply to personal injury caused “by or at the direction of an ‘insured’ with the knowledge that the act would violate the rights of another and would inflict ‘personal injury,’” arising out of the publication of material that the insured https://spcpub.com/stories/can-it-be-accidental,5464 The CSR Advisor en 2009-07-01 Can it be accidental? https://spcpub.com/stories/most-people-understand-how-an-insured-could-accidentally-cause-bodily-injury-or-property-damage,5465 The CSR Advisor en 2009-07-01 Most people understand how an insured could accidentally cause bodily injury or property damage, because we’ve all done it. We’ve hit friends in the head with baseballs during backyard games, we’ve dropped the china figurine that the neighbor’s grandmothe https://spcpub.com/stories/like-other-types-of-injury-to-be-covered-personal-injury-must-result-from-the-insureds,5466 The CSR Advisor en 2009-07-01 Like other types of injury, to be covered, personal injury must result from the insured’s negligence. While the act that caused it will generally be intentional, the injury must be unintentional. For example, the insured’s neighbor’s house burns down. New https://spcpub.com/stories/the-endorsement-is-not-the-only-way-to-obtain-personal-injury-coverage-it-is-also-provided-in,5467 The CSR Advisor en 2009-07-01 The endorsement is not the only way to obtain personal injury coverage – it is also provided in the personal umbrella policy filed by Insurance Services Office. The umbrella covers the same offenses that are covered in the endorsement, with essentially th https://spcpub.com/stories/is-personal-injury-coverage-necessary-maybe-not-for-everybody-but-the-opportunities-to-commit,5469 The CSR Advisor en 2009-07-01 Is personal injury coverage necessary? Maybe not for everybody. But the opportunities to commit libel or slander or invasion of privacy have increased dramatically as more and more people develop their own Web sites or blogs or regularly post on social ne https://spcpub.com/stories/a-look-at-the-law,5470 The CSR Advisor en 2009-07-01 A look at the law… https://spcpub.com/stories/can-invasion-of-privacy-be-unintentional,5471 The CSR Advisor en 2009-07-01 Can invasion of privacy be unintentional? https://spcpub.com/stories/in-2005-the-insured-was-sued-by-a-woman-alleging-that-he-had-sexually-assaulted-her-the-woman,5472 The CSR Advisor en 2009-07-01 In 2005, the insured was sued by a woman alleging that he had sexually assaulted her. The woman said that the two had taken a trip together. He asked her to share a hotel room with him, but she refused. According to the woman, when they had dinner togethe https://spcpub.com/stories/the-victims-complaint-included-three-claims-assault-and-battery-extreme-and-outrageous,5473 The CSR Advisor en 2009-07-01 The victim’s complaint included three claims – assault and battery, extreme and outrageous conduct, and invasion of privacy. She specifically claimed that the insured intentionally invaded her privacy with his conduct. https://spcpub.com/stories/a-jury-found-in-favor-of-the-victim-and-awarded-damages-on-all-three-claims-the-victim-was-awarded,5474 The CSR Advisor en 2009-07-01 A jury found in favor of the victim and awarded damages on all three claims. The victim was awarded $213,512 in damages – $198,000 of that was for the invasion of property claim. https://spcpub.com/stories/personal-injury-coverage,5475 The CSR Advisor en 2009-07-01 Personal injury coverage https://spcpub.com/stories/at-the-time-of-the-incident-the-insured-had-a-homeowners-policy-from-fire-insurance-exchange-the,5476 The CSR Advisor en 2009-07-01 At the time of the incident, the insured had a homeowners policy from Fire Insurance Exchange. The policy provided coverage for damages that the insured “becomes legally obligated to pay because of bodily injury, property damage or personal injury.” Perso https://spcpub.com/stories/the-policy-excluded-coverage-for-injury-that-was-either-caused-intentionally-by-or-at-the,5477 The CSR Advisor en 2009-07-01 The policy excluded coverage for injury that was “either caused intentionally by or at the direction of an insured; or … results from an occurrence caused by an intentional act of any insured where the results are reasonably foreseeable.” https://spcpub.com/stories/fire-insurance-initially-agreed-to-provide-a-defense-for-the-insured-under-a-reservation-of,5478 The CSR Advisor en 2009-07-01 Fire Insurance initially agreed to provide a defense for the insured, under a reservation of rights. But the insurer determined that the claims were not covered under the policy, so it had no obligation to defend. https://spcpub.com/stories/in-the-meantime-the-insured-and-the-victim-reached-an-agreement-he-would-pay-a-portion-of-the,5479 The CSR Advisor en 2009-07-01 In the meantime, the insured and the victim reached an agreement. He would pay a portion of the judgment then file a breach of contract claim against Fire Insurance and give the victim whatever money he collected from the insurer. The insurer filed a moti https://spcpub.com/stories/the-insured-argued-that-it-was-inconsistent-to-provide-coverage-for-invasion-of-privacy-but-exclude,5480 The CSR Advisor en 2009-07-01 The insured argued that it was inconsistent to provide coverage for invasion of privacy but exclude intentional conduct, making the policy ambiguous. Therefore, he should be eligible for coverage. https://spcpub.com/stories/in-a-previous-case-the-court-had-already-held-that-the-two-provisions-were-not-inconsistent-an,5481 The CSR Advisor en 2009-07-01 In a previous case, the court had already held that the two provisions were not inconsistent. An even earlier case had outlined four ways that privacy could be invaded: “(1) unreasonable intrusion upon the seclusion of another; (2) appropriation of anothe https://spcpub.com/stories/some-claims-are-covered,5482 The CSR Advisor en 2009-07-01 Some claims are covered https://spcpub.com/stories/in-the-last-two-types-of-invasion-of-privacy-claims-were-often-based-on-the-perpetrators,5483 The CSR Advisor en 2009-07-01 In the last two types of invasion of privacy, claims were often based on the perpetrator’s “reckless disregard” for the victim’s privacy, not on intentional actions. Those claims would be covered under the policy. In the insured’s case, on the other hand, https://spcpub.com/stories/the-insurer-also-argued-that-providing-coverage-to-the-insured-would-be-against-public-policy-the,5484 The CSR Advisor en 2009-07-01 The insurer also argued that providing coverage to the insured would be against public policy. The insured argued that it would not. Because the court had already decided that no coverage existed based on the intentional acts exclusion, it did not go into https://spcpub.com/stories/victims-may-be-creative-in-their-attempts-to-include-allegations-that-might-possibly-be-covered-by,5485 The CSR Advisor en 2009-07-01 Victims may be creative in their attempts to include allegations that might possibly be covered by insurance, but an intentional act is still an intentional act. And intentional wrongful conduct is not intended to be covered by insurance. As the court not https://spcpub.com/stories/making-sure-that-kids-are-covered,5486 The CSR Advisor en 2009-07-01 Making sure that kids are covered https://spcpub.com/stories/school-vacation-is-only-a-few-weeks-old-but-some-parents-are-already-looking-forward-to-the-first,5487 The CSR Advisor en 2009-07-01 School vacation is only a few weeks old, but some parents are already looking forward to the first day of school with the same level of excitement that their children felt about the last day of school. For the ambitious child, there is still plenty of ti https://spcpub.com/stories/nontraditional-living-arrangements-which-can-sometimes-cause-confusion-about-coverage-for-kids,5488 The CSR Advisor en 2009-07-01 Nontraditional living arrangements, which can sometimes cause confusion about coverage for kids, are more common than they used to be. Summer vacation may make things even more complicated as kids spend summers with relatives or friends. https://spcpub.com/stories/is-the-child-a-resident,5489 The CSR Advisor en 2009-07-01 Is the child a resident? https://spcpub.com/stories/the-homeowners-policy-includes-in-the-definition-of-insured-residents-of-your,5490 The CSR Advisor en 2009-07-01 The homeowners policy includes in the definition of “insured,” “…residents of your households who are: (1) Your relatives; or (2)Other persons under the age of 21 and in the care of any person named above.” https://spcpub.com/stories/relative-or-not-to-be-an-insured-the-child-must-be-a-resident-to-be-covered-but-the-term,5491 The CSR Advisor en 2009-07-01 Relative or not, to be an insured, the child must be a “resident” to be covered, but the term is never defined in the policy. In complicated custody arrangements, it can be difficult to determine where the child is considered a resident. A number of court https://spcpub.com/stories/the-determining-factor-in-what-makes-a-resident-is-usually-time-rather-than-legal,5492 The CSR Advisor en 2009-07-01 The determining factor in what makes a “resident” is usually time, rather than legal guardianship. For example, if the mother has custody, but the child lives with her grandparents most of the time, she’d likely be considered a resident of their household https://spcpub.com/stories/is-the-child-in-the-insureds-care,5493 The CSR Advisor en 2009-07-01 Is the child in the insured’s care? https://spcpub.com/stories/in-the-care-of-can-also-be-complicated-to-define-foster-children-would-be-covered-as-they,5494 The CSR Advisor en 2009-07-01 “In the care of” can also be complicated to define. Foster children would be covered as they are legally in the care of an insured. But what about the child of the homeowner’s live-in boyfriend or girlfriend? Is he or she in the care of the homeowner? Gen https://spcpub.com/stories/coverage-can-be-added-for-nonrelative-residents-with-endorsement-ho-04-58-other-members-of-your,5495 The CSR Advisor en 2009-07-01 Coverage can be added for nonrelative residents with endorsement HO 04 58 – Other Members of Your Household. The endorsement provides coverage for the person listed in the schedule, as long as he or she is not an insured, guest, residence employee, tenant https://spcpub.com/stories/what-is-covered,5496 The CSR Advisor en 2009-07-01 What is covered? https://spcpub.com/stories/if-the-child-is-an-insured-under-the-policy-he-or-she-would-have-essentially-the-same-liability,5497 The CSR Advisor en 2009-07-01 If the child is an insured under the policy, he or she would have essentially the same liability coverage that the parents have. Generally, the same coverages and exclusions would apply. In some cases, though, coverage would be a bit broader for the child https://spcpub.com/stories/the-policy-provides-up-to-1000-per-occurrence-for-damage-to-the-property-of-others-caused-by-an,5498 The CSR Advisor en 2009-07-01 The policy provides up to $1,000 per occurrence for damage to the property of others caused by an insured. The intentional acts of adults are excluded from this additional coverage. However, coverage is provided for the intentional acts of children under https://spcpub.com/stories/the-business-use-exlcusion-bars-coverage-for-bodily-injury-or-property-damage-resulting-from-an,5499 The CSR Advisor en 2009-07-01 The business use exlcusion bars coverage for bodily injury or property damage resulting from an insured’s business. However, the exclusion does not apply to an insured “under the age of 21 years involved in a part-time or occasional, self-employed ‘busine https://spcpub.com/stories/parents-liability,5500 The CSR Advisor en 2009-07-01 Parents’ liability https://spcpub.com/stories/parents-would-typically-also-be-covered-for-liability-they-incurred-as-a-result-of-a-covered,5501 The CSR Advisor en 2009-07-01 Parents would typically also be covered for liability they incurred as a result of a covered occurrence caused by the child. They might be named in a suit for failing to properly supervise the child. However, in the case of aircraft, hovercraft, motor veh https://spcpub.com/stories/if-a-child-is-not-considered-a-resident-of-the-insured-parents-household-and-therefore-not-an,5502 The CSR Advisor en 2009-07-01 If a child is not considered a resident of the insured parent’s household, and therefore not an insured, the homeowners policy might provide coverage for a suit brought by the child or the other parent for injury to the child. If a child visits her father https://spcpub.com/stories/policy-changes-to-address-federal-laws,5503 The CSR Advisor en 2009-07-01 Policy changes to address federal laws https://spcpub.com/stories/insurance-services-office-iso-is-making-a-change-to-a-couple-of-its-policies-in-response-to,5504 The CSR Advisor en 2009-07-01 Insurance Services Office (ISO) is making a change to a couple of its policies in response to federal laws. We’ll look at the laws and ISO’s response. https://spcpub.com/stories/gina-and-the-epl-policy,5505 The CSR Advisor en 2009-07-01 GINA and the EPL policy https://spcpub.com/stories/the-genetic-information-nondiscrimination-act-of-2008-gina-makes-it-illegal-for-employers-and,5506 The CSR Advisor en 2009-07-01 The Genetic Information Nondiscrimination Act of 2008 (GINA) makes it illegal for employers and health insurers to discriminate against people who have a genetic predisposition for a disease. When GINA goes into effect in November, it will prohibit employ https://spcpub.com/stories/genetic-information-may-come-from-genetic-tests-such-as-the-test-for-the-breast-cancer,5507 The CSR Advisor en 2009-07-01 “Genetic information” may come from genetic tests – such as the test for the breast cancer gene. However, it can also come from an employee’s family medical history. So, even if an employer had no access to genetic tests, it could be accused of discrimina https://spcpub.com/stories/iso-has-revised-its-employment-related-practices-liability-coverage-form-ep-00-01-to-reflect-the,5508 The CSR Advisor en 2009-07-01 ISO has revised its Employment-Related Practices Liability Coverage Form (EP 00 01) to reflect the new law. The form currently excludes violations of any federal state, or local statutes, rules, or regulations, except Title VII of the Civil Rights Act of https://spcpub.com/stories/fcra-and-facta-exclusion,5509 The CSR Advisor en 2009-07-01 FCRA and FACTA exclusion https://spcpub.com/stories/isos-commercial-general-liability-policy-cgl-currently-excludes-coverage-for-bodily-injury,5510 The CSR Advisor en 2009-07-01 ISO’s commercial general liability policy (CGL) currently excludes coverage for bodily injury, property damage, and personal and advertising injury arising out of violations of the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act (Controlling th https://spcpub.com/stories/in-may-iso-introduced-a-new-mandatory-endorsement-that-expanded-the-exclusion-cg-00-68-,5511 The CSR Advisor en 2009-07-01 In May, ISO introduced a new mandatory endorsement that expanded the exclusion. CG 00 68 – Recording and Distribution of Material or Information in Violation of Law Exclusion – adds violations of the Fair Credit Reporting Act (FCRA) and the Fair and Accur https://spcpub.com/stories/the-revised-exclusion-is-meant-to-be-merely-a-clarification-of-the-current-intent-of-the-policy,5512 The CSR Advisor en 2009-07-01 The revised exclusion is meant to be merely a clarification of the current intent of the policy. However, it is possible that without the revision, there could be personal and advertising injury coverage in the CGL for claims involving violations of FACTA https://spcpub.com/stories/test-your-knowledge-,5513 The CSR Advisor en 2009-07-01 Test your knowledge … https://spcpub.com/stories/when-a-house-is-not-a-home,5514 The CSR Advisor en 2009-07-01 When a house is not a home https://spcpub.com/stories/as-the-housing-market-remains-sluggish-people-with-money-to-invest-are-buying-up-houses-in,5515 The CSR Advisor en 2009-07-01 As the housing market remains sluggish, people with money to invest are buying up houses in foreclosure with the intent of fixing up the houses to rent out or to sell when the market gets better. Others are trying to prevent foreclosure by renting out the https://spcpub.com/stories/a-standard-homeowners-policy-is-issued-when-a-house-is-being-occupied-by-the-owners-and-other,5516 The CSR Advisor en 2009-07-01 A standard homeowners policy is issued when a house is being occupied by the owner(s) and other family members. It covers the building, outbuildings (such as a detached garage or shed), contents, and liability, as well as loss of use and voluntary medical https://spcpub.com/stories/action-point,5468 The CSR Advisor en 2009-07-01 Action point https://spcpub.com/stories/when-the-owner-moves-out-or-has-never-occupied-the-building-the-risk-increases-if-the-building-is,5517 The CSR Advisor en 2009-07-01 When the owner moves out or has never occupied the building, the risk increases. If the building is rented out, the assumption is that the tenants won’t necessarily take as good care of the building as the owner would – maybe they won’t do routine mainten https://spcpub.com/stories/if-the-house-is-vacant,5518 The CSR Advisor en 2009-07-01 If the house is vacant https://spcpub.com/stories/a-vacant-house-presents-different-risks-vandalism-arson-broken-water-pipes-squatters-the,5519 The CSR Advisor en 2009-07-01 A vacant house presents different risks. Vandalism, arson, broken water pipes, squatters – the owner that doesn’t live in the house may not know on a day-to-day basis what perils are lurking at the property. The investment in the property needs to be prot https://spcpub.com/stories/an-unoccupied-building-under-renovation-presents-its-own-kinds-of-risks-true-workers-are-at-the,5520 The CSR Advisor en 2009-07-01 An unoccupied building under renovation presents its own kinds of risks. True, workers are at the house regularly, so some of the dangers of a vacant building are averted – but there are construction materials onsite that need to be protected, which may o https://spcpub.com/stories/whats-a-homeowner-to-do,5521 The CSR Advisor en 2009-07-01 What’s a homeowner to do? https://spcpub.com/stories/in-order-to-obtain-the-proper-insurance-the-owner-needs-to-clearly-communicate-the-status-of-the,5522 The CSR Advisor en 2009-07-01 In order to obtain the proper insurance, the owner needs to clearly communicate the status of the dwelling – owner-occupied, rented out, vacant, under construction. https://spcpub.com/stories/a-house-rented-to-others-is-properly-covered-when-the-owner-purchases-a-dwelling-fire-policy-and,5523 The CSR Advisor en 2009-07-01 A house rented to others is properly covered when the owner purchases a dwelling fire policy and the tenants purchase their own tenants insurance. The dwelling fire policy can be written to provide coverage for damage to the building, damage to the owners https://spcpub.com/stories/specific-coverage-is-available-for-vacant-buildings-building-coverage-is-typically-on-a,5524 The CSR Advisor en 2009-07-01 Specific coverage is available for vacant buildings. Building coverage is typically on a named-peril basis, and liability coverage is an add-on. Liability coverage can sometimes be extended from the owners’ homeowners policy. Short-term policies are avail https://spcpub.com/stories/buildings-under-renovation-need-builders-risk-coverage-some-homeowners-policies-can-be-endorsed-to,5525 The CSR Advisor en 2009-07-01 Buildings under renovation need builders risk coverage. Some homeowners policies can be endorsed to cover builders risk, but most cannot, and a separate policy may be needed. A builders risk policy applies only while the construction is occurring and can https://spcpub.com/stories/when-a-client-wants-to-insure-a-house-you-need-to-ask-questions-as-to-occupancy-is-the-house,5526 The CSR Advisor en 2009-07-01 When a client wants to insure a house, you need to ask questions as to occupancy. Is the house occupied? By whom? Is construction going on? Be sure you get the details, so that you can offer the proper coverage. The mortgagee may be asking for “homeowners https://spcpub.com/stories/-this-article-was-written-by-jann-browning-cpcu-arm-editor-of-the-john-liner-review-a,5527 The CSR Advisor en 2009-07-01 — This article was written by Jann Browning, CPCU, ARM, editor of The John Liner Review, a product of Standard Publishing Corporation. https://spcpub.com/stories/types-of-property,5528 The CSR Advisor en 2009-07-01 Types of property https://spcpub.com/stories/property-can-be-divided-into-several-different-categories-different-categories-are-insured-in,5529 The CSR Advisor en 2009-07-01 Property can be divided into several different categories – different categories are insured in different ways. From an insurance perspective, the distinctions between tangible and intangible and real and personal property are particularly important. https://spcpub.com/stories/-tangible-property-is-property-that-you-can-touch-its-concrete-it-has-shape-texture,5530 The CSR Advisor en 2009-07-01 • Tangible property is property that you can touch. It’s concrete – it has shape, texture, possibly even smell. Generally, it is tangible property that is covered by property policies. Also, liability coverage in the homeowners or commercial general liabi https://spcpub.com/stories/-intangible-property-has-value-but-no-physical-form-for-homeowners-and-businesses-intangible,5531 The CSR Advisor en 2009-07-01 • Intangible property has value, but no physical form. For homeowners and businesses, intangible property can be a big part of their overall worth. Intangible property could include investments, copyrights and patents, and all of those songs that you down https://spcpub.com/stories/-real-property-is-a-type-of-tangible-property-it-is-land-and-structures-attached-to-land-a,5532 The CSR Advisor en 2009-07-01 • Real property is a type of tangible property. It is land and structures attached to land – a house, garage, driveway, etc. An easy-to-remember rule of thumb is that real property is what you wouldn’t be able to take with you if you moved. https://spcpub.com/stories/-personal-property-is-all-other-types-of-tangible-property-it-would-include-furniture-clothes,5533 The CSR Advisor en 2009-07-01 • Personal property is all other types of tangible property. It would include furniture, clothes, dishes, etc. Property can shift categories from personal to real. For example, a box of roofing shingles stored in the basement would be personal property. H https://spcpub.com/stories/its-important-to-understand-how-insurance-policies-treat-different-classes-of-property-and-that,5534 The CSR Advisor en 2009-07-01 It’s important to understand how insurance policies treat different classes of property and that property is correctly characterized in establishing values. https://spcpub.com/stories/did-you-know,5535 The CSR Advisor en 2009-07-01 Did you know? https://spcpub.com/stories/a-new-study-by-the-insurance-research-council-irc-finds-that-many-americans-have-taken-steps-to,5536 The CSR Advisor en 2009-07-01 A new study by the Insurance Research Council (IRC) finds that many Americans have taken steps to reduce personal insurance costs in response to the economic downturn, but that maintaining essential auto and homeowners coverage remains a priority for the https://spcpub.com/stories/most-americans-however-have-maintained-essential-homeowners-and-auto-insurance-coverage-despite,5537 The CSR Advisor en 2009-07-01 Most Americans, however, have maintained essential homeowners and auto insurance coverage despite the challenges posed by the economic downturn. Nine percent of those with at least one household vehicle reported canceling or not renewing coverage for a ho https://spcpub.com/stories/the-study-also-reports-on-the-frequency-with-which-consumers-have-taken-other-steps-in-response-to,5538 The CSR Advisor en 2009-07-01 The study also reports on the frequency with which consumers have taken other steps in response to the downturn. For example, 65 percent reported greatly reducing their expenditures on entertainment. Also, 37 percent reported postponing the purchase of a https://spcpub.com/stories/monthly-quiz,5539 The CSR Advisor en 2009-07-01 Monthly quiz https://spcpub.com/stories/this-months-quiz-tests-your-knowledge-of-aircraft-insurance,5540 The CSR Advisor en 2009-07-01 This month’s quiz tests your knowledge of aircraft insurance. https://spcpub.com/stories/1-while-territorial-limits-vary-among-insurers-coverage-is-commonly-limited-to,5541 The CSR Advisor en 2009-07-01 1. While “territorial limits” vary among insurers, coverage is commonly limited to: https://spcpub.com/stories/a-within-the-united-states,5542 The CSR Advisor en 2009-07-01 a. Within the United States. https://spcpub.com/stories/b-within-the-united-states-and-canada,5543 The CSR Advisor en 2009-07-01 b. Within the United States and Canada. https://spcpub.com/stories/c-within-the-united-states-canada-mexico-or-the-bahamas,5544 The CSR Advisor en 2009-07-01 c. Within the United States, Canada, Mexico, or the Bahamas. https://spcpub.com/stories/d-within-the-united-states-canada-mexico-the-bahamas-or-while-en-route,5545 The CSR Advisor en 2009-07-01 d. Within the United States, Canada, Mexico, the Bahamas, or while en route. https://spcpub.com/stories/2-supplementary-payments-as-defined-under-a-typical-aircraft-policy-include-all-of-the,5546 The CSR Advisor en 2009-07-01 2. “Supplementary Payments,” as defined under a typical Aircraft Policy, include all of the following EXCEPT: https://spcpub.com/stories/a-expenses-incurred-by-the-insured-for-first-aid-to-others-at-the-time-of-an-accident,5547 The CSR Advisor en 2009-07-01 a. Expenses incurred by the insured for first-aid to others at the time of an accident. https://spcpub.com/stories/b-premiums-on-appeal-bonds-required-in-any-suit-defended-by-the-insurer,5548 The CSR Advisor en 2009-07-01 b. Premiums on appeal bonds required in any suit defended by the insurer. https://spcpub.com/stories/c-all-reasonable-expenses-incurred-by-the-insured-at-the-insurers-request,5549 The CSR Advisor en 2009-07-01 c. All reasonable expenses incurred by the insured at the insurer’s request. https://spcpub.com/stories/d-expenses-incurred-for-the-rental-of-substitute-aircraft,5550 The CSR Advisor en 2009-07-01 d. Expenses incurred for the rental of substitute aircraft. https://spcpub.com/stories/3-one-exclusion-unique-to-the-aircraft-policy-eliminates-bodily-injury-and-property-damage-arising,5551 The CSR Advisor en 2009-07-01 3. One exclusion unique to the Aircraft Policy eliminates bodily injury and property damage arising out of: https://spcpub.com/stories/a-noise-audible-or-inaudible-to-the-human-ear,5552 The CSR Advisor en 2009-07-01 a. Noise, audible or inaudible to the human ear. https://spcpub.com/stories/b-vibration-including-sonic-boom-or-similar-phenomena,5553 The CSR Advisor en 2009-07-01 b. Vibration, including sonic boom or similar phenomena. https://spcpub.com/stories/c-interference-with-the-quiet-enjoyment-of-property-of-others,5554 The CSR Advisor en 2009-07-01 c. Interference with the quiet enjoyment of property of others. https://spcpub.com/stories/d-all-of-the-above,5555 The CSR Advisor en 2009-07-01 d. All of the above. https://spcpub.com/stories/answers-1d-2d-3d,5556 The CSR Advisor en 2009-07-01 Answers: 1d, 2d, 3d https://spcpub.com/stories/the-return-of-piracy,5558 The CSR Advisor en 2009-08-01 The return of piracy https://spcpub.com/stories/personal-insurance-and-cyberrisk,5559 The CSR Advisor en 2009-08-01 Personal insurance and cyberrisk https://spcpub.com/stories/shouldve-kept-the-insurance-card,5560 The CSR Advisor en 2009-08-01 Should’ve kept the insurance card https://spcpub.com/stories/personal-injury-protection-coverage,5561 The CSR Advisor en 2009-08-01 Personal injury protection coverage https://spcpub.com/stories/whose-claim-has-priority,5562 The CSR Advisor en 2009-08-01 Whose claim has priority? https://spcpub.com/stories/dont-panic,5563 The CSR Advisor en 2009-08-01 Don’t panic https://spcpub.com/stories/supply-chain-management-and-insurance,5564 The CSR Advisor en 2009-08-01 Supply-chain management and insurance https://spcpub.com/stories/monthly-quiz,5565 The CSR Advisor en 2009-08-01 Monthly quiz https://spcpub.com/stories/a-variety-of-crimes-a-variety-of-forms,5567 The CSR Advisor en 2009-09-01 A variety of crimes, a variety of forms https://spcpub.com/stories/claims-made-policies,5568 The CSR Advisor en 2009-09-01 Claims-made policies https://spcpub.com/stories/the-mail-coverage-form,5569 The CSR Advisor en 2009-09-01 The mail coverage form https://spcpub.com/stories/when-is-okay-to-text-at-work,5570 The CSR Advisor en 2009-09-01 When is okay to text at work? https://spcpub.com/stories/three-policies-but-no-coverage,5571 The CSR Advisor en 2009-09-01 Three policies but no coverage https://spcpub.com/stories/the-spouses-of-directors-and-officers,5572 The CSR Advisor en 2009-09-01 The spouses of directors and officers https://spcpub.com/stories/did-you-know,5573 The CSR Advisor en 2009-09-01 Did you know? https://spcpub.com/stories/monthly-quiz,5574 The CSR Advisor en 2009-09-01 Monthly quiz https://spcpub.com/stories/coordinating-condo-property-coverages,5576 The CSR Advisor en 2009-10-01 Coordinating condo property coverages https://spcpub.com/stories/kidnap-and-extortion-coverage,5577 The CSR Advisor en 2009-10-01 Kidnap and extortion coverage https://spcpub.com/stories/must-injured-workers-work,5578 The CSR Advisor en 2009-10-01 Must injured workers work? https://spcpub.com/stories/have-patience,5579 The CSR Advisor en 2009-10-01 Have patience https://spcpub.com/stories/an-agencys-authority,5580 The CSR Advisor en 2009-10-01 An agency’s authority https://spcpub.com/stories/when-claims-follow-insureds-into-retirement,5581 The CSR Advisor en 2009-10-01 When claims follow insureds into retirement https://spcpub.com/stories/monthly-quiz,5582 The CSR Advisor en 2009-10-01 Monthly quiz https://spcpub.com/stories/holiday-party-season-is-here-are-your-insureds-covered,5584 The CSR Advisor en 2009-11-01 Holiday party season is here – are your insureds covered? https://spcpub.com/stories/the-right-to-subrogate,5585 The CSR Advisor en 2009-11-01 The right to subrogate https://spcpub.com/stories/what-if-the-covered-loss-came-first,5586 The CSR Advisor en 2009-11-01 What if the covered loss came first? https://spcpub.com/stories/condo-liability-coverage,5587 The CSR Advisor en 2009-11-01 Condo liability coverage https://spcpub.com/stories/trade-disruption-insurance,5588 The CSR Advisor en 2009-11-01 Trade disruption insurance https://spcpub.com/stories/terms-of-endearment,5589 The CSR Advisor en 2009-11-01 Terms of endearment https://spcpub.com/stories/monthly-quiz,5590 The CSR Advisor en 2009-11-01 Monthly quiz https://spcpub.com/stories/how-certificates-of-insurance-lead-to-eo-claims,5592 The CSR Advisor en 2009-12-01 How certificates of insurance lead to E&O claims https://spcpub.com/stories/if-an-insured-is-found-guilty-is-defense-covered,5593 The CSR Advisor en 2009-12-01 If an insured is found guilty, is defense covered? https://spcpub.com/stories/changes-to-the-nfip,5594 The CSR Advisor en 2009-12-01 Changes to the NFIP https://spcpub.com/stories/insurers-salvage-rights,5595 The CSR Advisor en 2009-12-01 Insurers’ salvage rights https://spcpub.com/stories/doing-more-with-less,5596 The CSR Advisor en 2009-12-01 Doing more with less https://spcpub.com/stories/is-there-coverage-for-defamatory-tweets,5597 The CSR Advisor en 2009-12-01 Is there coverage for defamatory tweets? https://spcpub.com/stories/monthly-quiz,5598 The CSR Advisor en 2009-12-01 Monthly quiz https://spcpub.com/stories/coverage-for-volunteers-in-the-bap,5599 The CSR Advisor en 2010-01-01 Coverage for volunteers in the BAP https://spcpub.com/stories/back-to-basics,5600 The CSR Advisor en 2010-01-01 Back to basics https://spcpub.com/stories/insuring-property-when-you-move,5601 The CSR Advisor en 2010-01-01 Insuring property when you move https://spcpub.com/stories/reasonable-expectations,5602 The CSR Advisor en 2010-01-01 Reasonable expectations? https://spcpub.com/stories/firms-and-the-grandfathering-rule,5603 The CSR Advisor en 2010-01-01 FIRMs and the grandfathering rule https://spcpub.com/stories/coverage-for-bloggers,5604 The CSR Advisor en 2010-01-01 Coverage for bloggers https://spcpub.com/stories/monthly-quiz,5605 The CSR Advisor en 2010-01-01 Monthly quiz https://spcpub.com/stories/coverage-for-electronic-data-loss,5607 The CSR Advisor en 2010-02-01 Coverage for electronic data loss https://spcpub.com/stories/if-you-asked-a-businessowner-to-show-you-the-most-valuable-part-of-his-business-two-hundred-years,5608 The CSR Advisor en 2010-02-01 If you asked a businessowner to show you the most valuable part of his business two hundred years ago, he would likely point to an expensive piece of equipment – something you could see and touch, something tangible. For many businesses now, the greatest https://spcpub.com/stories/like-any-other-type-of-property-electronic-data-can-be-damaged-destroyed-lost-or-stolen-the,5609 The CSR Advisor en 2010-02-01 Like any other type of property, electronic data can be damaged, destroyed, lost, or stolen. The good news is that simple risk management techniques can often be effective in preserving electronic data – off-site back-ups, anti-virus software, not acciden https://spcpub.com/stories/coverage-in-the-cgl,5610 The CSR Advisor en 2010-02-01 Coverage in the CGL https://spcpub.com/stories/insurance-services-offices-iso-cgl-provides-coverage-for-amounts-the-insured-is-required-to,5611 The CSR Advisor en 2010-02-01 Insurance Services Office’s (ISO) CGL provides coverage for amounts the insured is required to pay as damages because of bodily injury or property damage. Property damage is defined as “physical injury to tangible property, including all resulting loss of https://spcpub.com/stories/the-definition-specifies-for-the-purposes-of-this-insurance-electronic-data-is-not-tangible,5612 The CSR Advisor en 2010-02-01 The definition specifies: “For the purposes of this insurance, electronic data is not tangible property.” It goes on to define electronic data as “information, facts or programs stored as or on, created or used on, or transmitted to or from computer softw https://spcpub.com/stories/also-an-electronic-data-exclusion-eliminates-coverage-for-damages-arising-out-of-the-loss-of,5613 The CSR Advisor en 2010-02-01 Also, an electronic data exclusion eliminates coverage for damages “arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.” https://spcpub.com/stories/what-does-this-mean-say-the-insured-was-a-painting-contractor-while-working-in-a-client,5614 The CSR Advisor en 2010-02-01 What does this mean? Say the insured was a painting contractor. While working in a client telemarketing firm’s building, one of the painting contractor’s workers negligently left a space heater on, causing a fire in the computer server room. The CGL shoul https://spcpub.com/stories/endorsement-cg-04-37-electronic-data-liability-can-be-added-to-the-cgl-to-provide-this,5615 The CSR Advisor en 2010-02-01 Endorsement CG 04 37 – Electronic Data Liability – can be added to the CGL to provide this coverage. It alters both the electronic data exclusion and the definition of property damage to provide coverage for loss of or damage to electronic data when the l https://spcpub.com/stories/iso-also-offers-an-electronic-data-liability-coverage-form-cg-00-65-that-provides-broader,5616 The CSR Advisor en 2010-02-01 ISO also offers an electronic data liability coverage form (CG 00 65) that provides broader coverage than the endorsement. It provides coverage for the loss of electronic data as a result of an “electronic data incident” – “an accident, or a negligent act https://spcpub.com/stories/the-form-excludes-coverage-for-loss-of-data-related-to-the-insureds-providing-computer,5617 The CSR Advisor en 2010-02-01 The form excludes coverage for loss of data related to the insured’s providing “computer products or services,” which is quite broadly defined. When a company’s primary function is tinkering with data for others (technical support, Web site designers, etc https://spcpub.com/stories/coverage-in-the-bpp-form,5618 The CSR Advisor en 2010-02-01 Coverage in the BPP form https://spcpub.com/stories/there-is-some-coverage-in-the-building-and-personal-property-form-bpp-for-the-cost-to-replace-or,5619 The CSR Advisor en 2010-02-01 There is some coverage in the building and personal property form (BPP) for the cost to replace or restore the insured’s electronic data, but it is very limited. The policy excludes electronic data under “property not covered,” but then adds coverage back https://spcpub.com/stories/the-electronic-data-additional-coverage-will-pay-no-more-than-2500-per-policy-year-for-the-cost,5620 The CSR Advisor en 2010-02-01 The electronic data additional coverage will pay no more than $2,500 per policy year for the cost to replace or restore electronic data that were destroyed or corrupted. However, for coverage to apply, the data must have been damaged by a covered cause of https://spcpub.com/stories/the-additional-coverage-does-include-a-virus-harmful-code-or-similar-instruction-introduced,5621 The CSR Advisor en 2010-02-01 The additional coverage does include “a virus, harmful code or similar instruction introduced into or enacted on a computer system …” as a covered cause of loss. However, it specifies that there is no coverage for loss caused by “manipulation of a compute https://spcpub.com/stories/if-the-insured-chooses-not-to-replace-or-restore-the-data-the-insured-will-be-reimbursed-only-for,5622 The CSR Advisor en 2010-02-01 If the insured chooses not to replace or restore the data, the insured will be reimbursed only for the cost to replace “the media on which the electronic data was stored” – discs, hard drives, etc. Even if the insured decides to replace the data, the $2,5 https://spcpub.com/stories/electronic-data-are-property-sometimes-expensive-property-but-the-insureds-cgl-and-commercial,5624 The CSR Advisor en 2010-02-01 Electronic data are property, sometimes expensive property, but the insured’s CGL and commercial property policies do not provide much coverage for the loss of data. Additional coverage can be added by endorsement or separate policies to meet the insured’ https://spcpub.com/stories/professional-liability-for-technology-companies,5625 The CSR Advisor en 2010-02-01 Professional liability for technology companies https://spcpub.com/stories/technology-professional-liability-policies-are-nonstandard-but-have-some-common-ground-they,5626 The CSR Advisor en 2010-02-01 Technology professional liability policies are nonstandard, but have some common ground. They provide coverage for amounts the insured becomes legally obligated to pay as a result of errors and omissions in the performance of its professional duties. They https://spcpub.com/stories/exclusions-vary-from-insurer-to-insurer-some-policies-exclude-coverage-for-the-insureds,5627 The CSR Advisor en 2010-02-01 Exclusions vary from insurer to insurer. Some policies exclude coverage for the insured’s liability for allowing a virus into a customer’s computer system. Some exclude coverage for unauthorized access to a computer system. If, because of the insured’s ac https://spcpub.com/stories/because-technology-professional-liability-policies-are-nonstandard-selecting-the-most-appropriate,5628 The CSR Advisor en 2010-02-01 Because technology professional liability policies are nonstandard, selecting the most appropriate policy requires a thorough knowledge of the risks inherent in the insured’s business and the types of coverage available. https://spcpub.com/stories/earthquake-coverage-in-personal-insurance,5629 The CSR Advisor en 2010-02-01 Earthquake coverage in personal insurance https://spcpub.com/stories/the-homeowners-policy,5632 The CSR Advisor en 2010-02-01 The homeowners policy https://spcpub.com/stories/insurance-wont-help-to-protect-a-family-during-a-disaster-but-it-can-ease-the-financial-burden,5633 The CSR Advisor en 2010-02-01 Insurance won’t help to protect a family during a disaster, but it can ease the financial burden that follows. ISO’s homeowners policy specifically excludes coverage for “earth movement,” which includes earthquake, mudslide, landslide, tremors resulting f https://spcpub.com/stories/in-many-cases-earthquakes-can-lead-to-other-causes-of-loss-such-as-fires-explosions-landslides,5634 The CSR Advisor en 2010-02-01 In many cases, earthquakes can lead to other causes of loss, such as fires, explosions, landslides, and floods. As long as these secondary causes of loss are not excluded by the home- owners policy, any damage they cause would be covered. Fire and explos https://spcpub.com/stories/the-iso-program-includes-an-earthquake-endorsement-to-the-homeowners-policy-the-endorsement-does,5635 The CSR Advisor en 2010-02-01 The ISO program includes an earthquake endorsement to the homeowners policy. The endorsement does not eliminate the earth movement exclusion, but makes an exception for earthquakes, including shock waves or tremors related to volcanic eruptions. The endor https://spcpub.com/stories/earthquake-coverage-both-commercial-and-personal-is-typically-offered-with-a-percentage,5636 The CSR Advisor en 2010-02-01 Earthquake coverage – both commercial and personal – is typically offered with a percentage deductible, rather than a dollar deductible. In higher-risk areas, the percentage can be between 10 percent and 20 percent of Coverage A, Dwelling, which can trans https://spcpub.com/stories/there-is-no-such-thing-as-a-no-risk-area-as-far-as-earthquakes-are-concerned-earthquake-damage,5637 The CSR Advisor en 2010-02-01 There is no such thing as a no-risk area as far as earthquakes are concerned – earthquake damage has been reported in all 50 states at some point in time. However, some areas have higher risk than others. Most of the earthquakes in the United States occur https://spcpub.com/stories/earthquake-coverage-for-autos,5638 The CSR Advisor en 2010-02-01 Earthquake coverage for autos https://spcpub.com/stories/unlike-the-homeowners-policy-the-personal-auto-policy-provides-coverage-for-damage-related-to,5639 The CSR Advisor en 2010-02-01 Unlike the homeowners policy, the personal auto policy provides coverage for damage related to earthquakes without an endorsement. https://spcpub.com/stories/in-the-wake-of-the-catastrophic-events-in-haiti-earthquakes-are-on-everybodys-mind-watching-on,5630 The CSR Advisor en 2010-02-01 In the wake of the catastrophic events in Haiti, earthquakes are on everybody’s mind. Watching on television as disasters unfold in distant countries or distant states makes us feel helpless. Most of us are not qualified to participate in relief efforts, https://spcpub.com/stories/personal-risk-management-is-a-big-part-of-preparing-for-any-disaster-families-should-educate,5631 The CSR Advisor en 2010-02-01 Personal risk management is a big part of preparing for any disaster. Families should educate themselves about earthquake safety. Every member of the family should know what do if an earthquake occurs. It’s also a good idea to have a disaster kit on hand, https://spcpub.com/stories/the-liability-portion-of-the-policy-provides-coverage-for-the-insureds-liability-for-an-auto,5640 The CSR Advisor en 2010-02-01 The liability portion of the policy provides coverage for the insured’s liability for an auto accident. Coverage would apply even if road conditions caused by an earthquake led to the insured’s accident. https://spcpub.com/stories/under-coverage-for-damage-to-the-insureds-auto-loss-caused-by-earthquake-is-considered-other,5641 The CSR Advisor en 2010-02-01 Under coverage for damage to the insured’s auto, loss caused by earthquake is considered “other than collision.” So, assuming that the insured purchased “other than collision” coverage, damage caused by earthquake would be covered. https://spcpub.com/stories/a-look-at-the-law-,5642 The CSR Advisor en 2010-02-01 A look at the law … https://spcpub.com/stories/true-facts-and-professional-liability,5643 The CSR Advisor en 2010-02-01 “True facts” and professional liability https://spcpub.com/stories/eleazar-casiano-was-killed-in-a-trench-collapse-that-occurred-while-he-was-working-on-a-sewer,5644 The CSR Advisor en 2010-02-01 Eleazar Casiano was killed in a trench collapse that occurred while he was working on a sewer installation project in Mississippi. Cilvia Casiano Tranqualino, Casiano’s mother, filed a wrongful death action against several of the parties involved in the p https://spcpub.com/stories/bmi-sought-coverage-from-its-excess-commercial-general-liability-cgl-insurer-qbe-insurance,5645 The CSR Advisor en 2010-02-01 BMI sought coverage from its excess commercial general liability (CGL) insurer, QBE Insurance Corporation. QBE said that it was not obligated to provide coverage for the incident, arguing that the accident that caused Casiano’s death was not an “occurrenc https://spcpub.com/stories/not-an-occurrence,5646 The CSR Advisor en 2010-02-01 Not an occurrence https://spcpub.com/stories/a-district-court-sided-with-the-insurer-occurrence-was-defined-in-the-policy-as-an-accident,5647 The CSR Advisor en 2010-02-01 A district court sided with the insurer. “Occurrence” was defined in the policy as an accident, including continuous or repeated exposure to substantially the same general harmful conditions. The court looked at Tranqualino’s complaint, which alleged that https://spcpub.com/stories/the-district-court-found-that-though-the-complaint-alleged-that-bmi-had-acted-negligently-all-of,5648 The CSR Advisor en 2010-02-01 The district court found that though the complaint alleged that BMI had acted negligently, all of the listed allegations were not negligent acts, but intentional acts (or failures to act). The court said that “any harm was a foreseeable consequence of the https://spcpub.com/stories/professional-services-exclusion,5649 The CSR Advisor en 2010-02-01 Professional services exclusion https://spcpub.com/stories/bmi-appealed-the-decision-in-qbi-insurance-corporation-v-brown-mitchell-inc-the-united,5650 The CSR Advisor en 2010-02-01 BMI appealed the decision. In QBI Insurance Corporation v. Brown & Mitchell, Inc., the United States Court of Appeals for the Fifth Circuit looked at whether the allegations in Tranqualino’s complaint would trigger the professional services exclusion. https://spcpub.com/stories/the-exclusion-stated-that-coverage-did-not-apply-to-bodily-injury-or-property-damage-due-to,5651 The CSR Advisor en 2010-02-01 The exclusion stated that coverage did not apply to bodily injury or property damage “due to rendering or failure to render any professional service,” including but not limited to “engineering services, including related supervisory or inspection services https://spcpub.com/stories/the-court-noted-that-though-professional-services-and-engineering-services-were-not,5652 The CSR Advisor en 2010-02-01 The court noted that though “professional services” and “engineering services” were not defined in the policy, Mississippi courts had defined “professional services” as “the application of special skill, knowledge and education arising out of a vocation, https://spcpub.com/stories/in-light-of-the-allegations-and-the-policy-language-the-court-determined-that-finding-that,5653 The CSR Advisor en 2010-02-01 In light of the allegations and the policy language, the court determined that finding that coverage existed would make the professional services exclusion meaningless. https://spcpub.com/stories/the-true-facts-of-the-case,5654 The CSR Advisor en 2010-02-01 The “true facts” of the case https://spcpub.com/stories/bmi-however-was-not-done-arguing-it-said-that-regardless-of-the-allegations-in-the-complaint,5655 The CSR Advisor en 2010-02-01 BMI, however, was not done arguing. It said that regardless of the allegations in the complaint, based on the “true facts” of the case, the professional services exclusion was not applicable. Under Mississippi law, if there would be coverage for defense a https://spcpub.com/stories/bmi-said-that-it-had-informed-the-insurer-of-the-true-fact-that-the-bmi-representative-at-the,5656 The CSR Advisor en 2010-02-01 BMI said that it had informed the insurer of the “true fact” that the BMI representative at the site at the time of Casiano’s accident was not an engineer. In fact, the firm said, he had only a high school education and was “simply measuring pipe at the t https://spcpub.com/stories/the-court-disagreed-saying-if-the-unpled-facts-would-not-support-a-claim-for-liability,5657 The CSR Advisor en 2010-02-01 The court disagreed saying, “if the unpled ‘facts’ would not support a claim for liability against the insured, then knowledge of these facts by the insurer does not give rise to a duty to defend.” The BMI representative’s asking Casiano to help with meas https://spcpub.com/stories/the-court-held-that-the-insurer-was-not-obligated-to-provide-coverage-noting-that-the,5658 The CSR Advisor en 2010-02-01 The court held that the insurer was not obligated to provide coverage, noting that the “allegations in the complaint are precisely the sort of potential liability the professional services exclusion is designed to excise from coverage.” https://spcpub.com/stories/it-can-be-difficult-to-sort-out-which-situations-fall-into-the-professional-services-category-as,5659 The CSR Advisor en 2010-02-01 It can be difficult to sort out which situations fall into the professional services category. As the court in this case noted, one consideration is whether the act required any special training or education. Courts also take into account the situation an https://spcpub.com/stories/the-cgl-is-simply-not-designed-to-cover-injury-that-arises-out-of-professional-actions-or,5660 The CSR Advisor en 2010-02-01 The CGL is simply not designed to cover injury that arises out of professional actions or decision-making. To ensure that they are covered for such situations, most companies should consider purchasing professional liability coverage. https://spcpub.com/stories/home-based-businesses,5661 The CSR Advisor en 2010-02-01 Home-based businesses https://spcpub.com/stories/as-we-noted-in-last-months-issue-a-lot-of-people-who-have-lost-their-jobs-to-the-terrible,5662 The CSR Advisor en 2010-02-01 As we noted in last month’s issue, a lot of people who have lost their jobs to the terrible economic situation have chosen to donate their time to nonprofit organizations, leading to a sharp increase in volunteer workers. Others, however, have chosen to u https://spcpub.com/stories/some-people-may-not-view-their-home-based-business-as-a-business-theyre-simply-babysitting-a,5663 The CSR Advisor en 2010-02-01 Some people may not view their home-based business as a business. They’re simply babysitting a few children or walking dogs for a little bit of extra money. Others may see their businesses as harmless – how much damage could be caused by a consulting busi https://spcpub.com/stories/exclusions-in-the-homeowners-policy,5664 The CSR Advisor en 2010-02-01 Exclusions in the homeowners policy https://spcpub.com/stories/the-homeowners-policy-has-a-very-low-threshold-for-what-it-considers-a-business-the-term-is,5665 The CSR Advisor en 2010-02-01 The homeowners policy has a very low threshold for what it considers a “business.” The term is defined as a “trade, profession or occupation engaged in on a full-time, part-time or occasional basis” or any activity “engaged in for money or other compensat https://spcpub.com/stories/liability-coverage-and-medical-payments-to-others-coverage-do-not-apply-to-bodily-injury-or,5666 The CSR Advisor en 2010-02-01 Liability coverage and medical payments to others coverage do not apply to bodily injury or property damage arising out of the insured’s business. If, for example, the insured is babysitting for a fee and the children were injured, there would be no cover https://spcpub.com/stories/coverage-is-also-excluded-for-bodily-injury-to-any-person-eligible-to-receive-any-benefits,5667 The CSR Advisor en 2010-02-01 Coverage is also excluded for bodily injury to any person “eligible to receive any benefits voluntarily provided or required to be provided” by an insured under any workers compensation law, nonoccupational disability law, or occupational disease law. So, https://spcpub.com/stories/as-an-additional-coverage-the-policy-provides-up-to-1000-for-damage-to-the-property-of-others,5668 The CSR Advisor en 2010-02-01 As an additional coverage, the policy provides up to $1,000 for damage to the property of others. However, the coverage does not apply to damage arising out of the insured’s business. https://spcpub.com/stories/another-relevant-exclusion-bars-property-coverage-for-structures-other-than-the-dwelling-on-the,5669 The CSR Advisor en 2010-02-01 Another relevant exclusion bars property coverage for structures, other than the dwelling, on the insured property “from which any business is conducted.” So an insured using the garage in connection with a furniture repair business would not have coverag https://spcpub.com/stories/available-coverage,5670 The CSR Advisor en 2010-02-01 Available coverage https://spcpub.com/stories/the-homeowners-policy-leaves-the-owners-of-even-small-home-based-businesses-with-some-serious-gaps,5671 The CSR Advisor en 2010-02-01 The homeowners policy leaves the owners of even small home-based businesses with some serious gaps in coverage. But ISO’s homeowners program does provide some coverage options. https://spcpub.com/stories/endorsements-are-available-to-provide-coverage-for-a-couple-of-specific-businesses-for-example-a,5672 The CSR Advisor en 2010-02-01 Endorsements are available to provide coverage for a couple of specific businesses. For example, a home day care business can obtain coverage for liability and property damage related to the business through HO 04 97. There is also an “incidental farming” https://spcpub.com/stories/endorsement-ho-07-01-is-more-general-providing-coverage-for-the-business-described-in-the,5673 The CSR Advisor en 2010-02-01 Endorsement HO 07 01 is more general, providing coverage for the business described in the schedule. The endorsement allows the insured to purchase coverage for liability and medical payments to others arising out of the business. The insured may also opt https://spcpub.com/stories/not-all-types-or-sizes-of-business-will-be-eligible-for-coverage-through-the-homeowners-policy,5674 The CSR Advisor en 2010-02-01 Not all types or sizes of business will be eligible for coverage through the homeowners policy. Bigger and riskier businesses may need businessowners or commercial general liability policies. However, few businesses are too small to worry about coverage. https://spcpub.com/stories/leaving-a-paper-trail,5675 The CSR Advisor en 2010-02-01 Leaving a paper trail https://spcpub.com/stories/in-suspense-novels-and-movies-the-corrupt-politicians-and-business-executives-are-always-trying-to,5676 The CSR Advisor en 2010-02-01 In suspense novels and movies, the corrupt politicians and business executives are always trying to hide their paper trails. An incriminating e-mail or bank statement will expose the entire conspiracy. Of course, the good guys always find the evidence tha https://spcpub.com/stories/were-going-to-go-ahead-and-assume-that-youre-not-laundering-money-or-hatching-an-evil-plan,5677 The CSR Advisor en 2010-02-01 We’re going to go ahead and assume that you’re not laundering money or hatching an evil plan for world domination. In fact, like most of us, you’re probably trying to do your job as efficiently and accurately as possible. Still, for many of your customers https://spcpub.com/stories/in-your-home-life-saving-every-little-scrap-of-paper-is-what-lands-you-on-the-reality-show,5678 The CSR Advisor en 2010-02-01 In your home life, saving every little scrap of paper is what lands you on the reality show “Hoarders” (well, that and losing your dead pets under the pile of paper). In an insurance agency, saving correspondence can be the key to disproving an E&O claim. https://spcpub.com/stories/any-correspondence-with-customers-either-through-e-mail-or-snail-mail-should-be-saved,5679 The CSR Advisor en 2010-02-01 Any correspondence with customers – either through e-mail or “snail mail” should be saved. (Within reason, of course – if you sent a “Happy New Year” card, it would probably not be relevant to a dispute about coverage.) Any paperwork that they filled out https://spcpub.com/stories/your-agency-should-have-a-policy-about-what-to-save-and-how-long-to-save-it-if-youre-not-sure,5680 The CSR Advisor en 2010-02-01 Your agency should have a policy about what to save and how long to save it. If you’re not sure whether something should be saved, err on the side of caution. You can always throw something away later, but you can’t get it back once it’s gone. https://spcpub.com/stories/test-your-knowledge-,5681 The CSR Advisor en 2010-02-01 Test your knowledge … https://spcpub.com/stories/liability-for-a-texting-employee,5682 The CSR Advisor en 2010-02-01 Liability for a texting employee https://spcpub.com/stories/your-insureds-employee-hit-a-parked-car-while-texting-a-friend-the-employee-was-driving-her-own,5683 The CSR Advisor en 2010-02-01 Your insured’s employee hit a parked car while texting a friend. The employee was driving her own car on her own time, so the employer is not involved in the situation at all. However, this employee does occasionally drive her car on business, and your i https://spcpub.com/stories/your-insured-has-certainly-been-issued-a-wake-up-call-by-her-employees-accident-employers-can,5684 The CSR Advisor en 2010-02-01 Your insured has certainly been issued a wake-up call by her employee’s accident. Employers can be held vicariously liable for their employees’ behavior while driving for business. While your insured’s business auto policy would defend your insured for su https://spcpub.com/stories/scope-of-the-problem,5685 The CSR Advisor en 2010-02-01 Scope of the problem https://spcpub.com/stories/although-texting-while-driving-is-now-illegal-in-20-states-with-legislation-pending-in-several,5686 The CSR Advisor en 2010-02-01 Although texting while driving is now illegal in 20 states, with legislation pending in several others, a disturbingly large number of people report that they occasionally – or often – text while driving anyway. Add these to the people talking on their ce https://spcpub.com/stories/partial-solution-for-employers,5687 The CSR Advisor en 2010-02-01 Partial solution for employers https://spcpub.com/stories/an-employer-can-never-totally-control-the-behavior-of-employees-however-having-a-strong-policy,5688 The CSR Advisor en 2010-02-01 An employer can never totally control the behavior of employees. However, having a strong policy against distracted driving of any kind that is strictly enforced can go a long way in defending against a vicarious liability suit for an employee’s negligenc https://spcpub.com/stories/many-employers-issue-cell-phones-blackberries-laptops-and-other-electronic-devices-to-employees,5689 The CSR Advisor en 2010-02-01 Many employers issue cell phones, Blackberries, laptops, and other electronic devices to employees. It is vitally important that such companies have strict policies regarding their use. The policy should also address the use of personally owned electronic https://spcpub.com/stories/electronic-usage-policy,5690 The CSR Advisor en 2010-02-01 Electronic usage policy https://spcpub.com/stories/the-policy-should-be-reasonable-but-it-also-must-protect-your-insured-as-much-as-possible-the,5691 The CSR Advisor en 2010-02-01 The policy should be reasonable, but it also must protect your insured as much as possible. The strictest policy – and hardest to enforce – would prohibit the use of any wireless communication devices while driving for business, period. Such a policy woul https://spcpub.com/stories/a-less-restrictive-policy-might-allow-use-of-hands-free-devices-in-limited-circumstances-eg,5692 The CSR Advisor en 2010-02-01 A less restrictive policy might allow use of hands-free devices in limited circumstances – e.g., in case of emergency (which should be defined – car trouble or an accident, say, but not reporting that the driver will be late for a meeting). Even in emerge https://spcpub.com/stories/once-a-policy-is-developed-employees-should-be-required-to-acknowledge-receipt-of-the-policy-in,5693 The CSR Advisor en 2010-02-01 Once a policy is developed, employees should be required to acknowledge receipt of the policy in writing. Any known transgressions of the policy should have consequences that are spelled out in the policy. Enforcement should be uniform and consistent. https://spcpub.com/stories/employer-vicarious-liability,5694 The CSR Advisor en 2010-02-01 Employer vicarious liability https://spcpub.com/stories/employers-have-been-found-liable-for-auto-accidents-caused-by-the-negligence-of-their-employees,5695 The CSR Advisor en 2010-02-01 Employers have been found liable for auto accidents caused by the negligence of their employees while driving the employee’s own car on company business. Some of these cases involved the use of cell phones. An employer could also be found directly liable https://spcpub.com/stories/your-insured-needs-to-sit-down-right-now-and-devise-a-policy-regarding-use-of-electronic,5696 The CSR Advisor en 2010-02-01 Your insured needs to sit down right now and devise a policy regarding use of electronic communication devices for employees while driving for business. Then she needs to communicate the policy to her employees and make sure that they know the policy will https://spcpub.com/stories/action-point,5623 The CSR Advisor en 2010-02-01 Action point https://spcpub.com/stories/-this-article-was-written-by-jann-browning-cpcu-arm-editor-of-the-john-liner-review-a,5697 The CSR Advisor en 2010-02-01 — This article was written by Jann Browning, CPCU, ARM, editor of The John Liner Review, a product of Standard Publishing Corporation. https://spcpub.com/stories/monthly-quiz,5698 The CSR Advisor en 2010-02-01 Monthly quiz https://spcpub.com/stories/this-months-quiz-tests-your-knowledge-of-workers-compensation-and-employers-liability-insurance,5699 The CSR Advisor en 2010-02-01 This month’s quiz tests your knowledge of workers compensation and employers liability insurance. https://spcpub.com/stories/1-the-experience-rating-modification-is-a-factor-applied-to-premium-to-reflect,5700 The CSR Advisor en 2010-02-01 1. The experience rating modification is a factor applied to premium to reflect: https://spcpub.com/stories/a-a-good-claims-history,5701 The CSR Advisor en 2010-02-01 a. A good claims history. https://spcpub.com/stories/b-the-type-of-manufacturing-the-insured-is-engaged-in,5702 The CSR Advisor en 2010-02-01 b. The type of manufacturing the insured is engaged in. https://spcpub.com/stories/c-the-experience-of-the-insureds-work-force,5703 The CSR Advisor en 2010-02-01 c. The experience of the insured’s work force. https://spcpub.com/stories/d-the-risks-variation-from-the-average-risk,5704 The CSR Advisor en 2010-02-01 d. The risk’s variation from the average risk. https://spcpub.com/stories/2-which-of-the-following-is-an-example-of-a-third-party-over-suit,5705 The CSR Advisor en 2010-02-01 2. Which of the following is an example of a “third-party-over” suit? https://spcpub.com/stories/a-the-employee-sues-the-employer-for-additional-damages,5706 The CSR Advisor en 2010-02-01 a. The employee sues the employer for additional damages. https://spcpub.com/stories/b-the-employee-sues-a-third-party-who-may-be-partly-responsible-for-an-injury-and-the-third,5707 The CSR Advisor en 2010-02-01 b. The employee sues a third party who may be partly responsible for an injury, and the third party, in turn, sues the employer. https://spcpub.com/stories/c-the-employee-sues-the-insurer-for-additional-damages,5708 The CSR Advisor en 2010-02-01 c. The employee sues the insurer for additional damages. https://spcpub.com/stories/d-the-employee-sues-a-fellow-employee-for-additional-damages,5709 The CSR Advisor en 2010-02-01 d. The employee sues a fellow employee for additional damages. https://spcpub.com/stories/3-all-of-the-following-are-exclusions-under-employers-liability-except,5710 The CSR Advisor en 2010-02-01 3. All of the following are exclusions under Employers Liability EXCEPT: https://spcpub.com/stories/a-medical-costs,5711 The CSR Advisor en 2010-02-01 a. Medical costs. https://spcpub.com/stories/b-liability-assumed-by-contract,5712 The CSR Advisor en 2010-02-01 b. Liability assumed by contract. https://spcpub.com/stories/c-punitive-or-exemplary-damages,5713 The CSR Advisor en 2010-02-01 c. Punitive or exemplary damages. https://spcpub.com/stories/d-bodily-injury-intentionally-caused-or-aggravated,5714 The CSR Advisor en 2010-02-01 d. Bodily injury intentionally caused or aggravated. https://spcpub.com/stories/answers-1d-2b-3a,5715 The CSR Advisor en 2010-02-01 Answers: 1d, 2b, 3a https://spcpub.com/stories/what-is-an-insured-contract,5717 The CSR Advisor en 2010-03-01 What is an insured contract? https://spcpub.com/stories/changes-to-the-businessowners-program,5718 The CSR Advisor en 2010-03-01 Changes to the businessowners program https://spcpub.com/stories/communicating-with-your-customers,5719 The CSR Advisor en 2010-03-01 Communicating with your customers https://spcpub.com/stories/coverage-for-violations-of-the-tcpa,5720 The CSR Advisor en 2010-03-01 Coverage for violations of the TCPA https://spcpub.com/stories/coverage-for-winter-storms,5721 The CSR Advisor en 2010-03-01 Coverage for winter storms https://spcpub.com/stories/claims-made-and-occurrence-policies,5722 The CSR Advisor en 2010-03-01 Claims-made and occurrence policies https://spcpub.com/stories/monthly-quiz,5723 The CSR Advisor en 2010-03-01 Monthly quiz https://spcpub.com/stories/flood-coverage-for-residential-condos,5725 The CSR Advisor en 2010-04-01 Flood coverage for residential condos https://spcpub.com/stories/more-changes-to-the-businessowners-program,5726 The CSR Advisor en 2010-04-01 More changes to the businessowners program https://spcpub.com/stories/not-avoiding-confrontation,5727 The CSR Advisor en 2010-04-01 (Not) avoiding confrontation https://spcpub.com/stories/is-a-notice-of-cancellation-ambiguous,5728 The CSR Advisor en 2010-04-01 Is a notice of cancellation ambiguous? https://spcpub.com/stories/canceling-an-insurance-policy,5729 The CSR Advisor en 2010-04-01 Canceling an insurance policy https://spcpub.com/stories/should-your-insured-hire-a-public-adjuster,5730 The CSR Advisor en 2010-04-01 Should your insured hire a public adjuster? https://spcpub.com/stories/did-you-know,5731 The CSR Advisor en 2010-04-01 Did you know? https://spcpub.com/stories/monthly-quiz,5732 The CSR Advisor en 2010-04-01 Monthly quiz https://spcpub.com/stories/coverage-for-sewage-backup-damage,5734 The CSR Advisor en 2010-05-01 Coverage for sewage backup damage https://spcpub.com/stories/its-an-unpleasant-thought-but-sewage-backup-is-a-real-problem-that-can-happen-to-anyone,5735 The CSR Advisor en 2010-05-01 It’s an unpleasant thought, but sewage backup is a real problem that can happen to anyone. Cleaning up and sanitizing after a sewage backup can be expensive, and odds are that the backup will damage a lot of your insured’s property. It’s important to know https://spcpub.com/stories/homeowners-endorsement,5736 The CSR Advisor en 2010-05-01 Homeowners endorsement https://spcpub.com/stories/most-people-mistakenly-think-that-water-damage-is-covered-under-their-homeowners-policy-in-fact,5737 The CSR Advisor en 2010-05-01 Most people mistakenly think that water damage is covered under their homeowners policy. In fact, most homeowners policies exclude many types of water damage, including damage from flood, below-surface water, water or waterborne material that backs up thr https://spcpub.com/stories/this-doesnt-necessarily-mean-that-your-insureds-have-no-coverage-if-they-end-up-in-a-sewage,5738 The CSR Advisor en 2010-05-01 This doesn’t necessarily mean that your insureds have no coverage if they end up in a sewage backup situation. Water backup and sump discharge or overflow coverage is included in some homeowners policies automatically and can be obtained through an endors https://spcpub.com/stories/endorsements-like-isos-water-back-up-and-sump-discharge-or-overflow-ho-04-95-insure-property,5739 The CSR Advisor en 2010-05-01 Endorsements like ISO’s Water Back-Up and Sump Discharge Or Overflow (HO 04 95) insure property for damage caused by water or waterborne material (such as sewage) that backs up through sewers or drains, as well as water damage caused by a sump, sump pump, https://spcpub.com/stories/flood-insurance-policy,5740 The CSR Advisor en 2010-05-01 Flood insurance policy https://spcpub.com/stories/insureds-may-also-think-that-they-do-not-need-to-purchase-the-endorsement-if-they-already-have,5741 The CSR Advisor en 2010-05-01 Insureds may also think that they do not need to purchase the endorsement if they already have flood insurance. They are wrong. The Federal Emergency Management Agency (FEMA) defines flood in its standard flood insurance policy as temporary partial or com https://spcpub.com/stories/-overflow-of-inland-or-tidal-waters,5742 The CSR Advisor en 2010-05-01 • overflow of inland or tidal waters; https://spcpub.com/stories/-unusual-and-rapid-accumulation-of-runoff-surface-waters-from-any-source-or,5743 The CSR Advisor en 2010-05-01 • unusual and rapid accumulation of runoff surface waters from any source; or https://spcpub.com/stories/untitled,5744 The CSR Advisor en 2010-05-01 https://spcpub.com/stories/-mudflow,5745 The CSR Advisor en 2010-05-01 • mudflow. https://spcpub.com/stories/the-only-way-a-flood-policy-covers-sewage-backup-is-if-the-backup-is-a-direct-result-of-flooding-as,5746 The CSR Advisor en 2010-05-01 The only way a flood policy covers sewage backup is if the backup is a direct result of flooding as defined above. Flooding can cause backup by overwhelming the sewer lines with water. https://spcpub.com/stories/during-heavy-rains-or-rapid-spring-thaws-the-lines-can-fill-up-much-more-quickly-than-usual,5747 The CSR Advisor en 2010-05-01 During heavy rains or rapid spring thaws, the lines can fill up much more quickly than usual, causing water to flow backward through the pipes and into homes. What if heavy rains cause sewer lines to back up without there being an actual flood? For that, https://spcpub.com/stories/causes,5748 The CSR Advisor en 2010-05-01 Causes https://spcpub.com/stories/the-most-common-cause-of-sewage-backup-is-flushing-things-down-drains-and-toilets-that-you,5749 The CSR Advisor en 2010-05-01 The most common cause of sewage backup is flushing things down drains and toilets that you shouldn’t. This causes the lateral line – the pipe that goes from your house to the city’s main sanitary line – to become blocked. The lateral line and its maintena https://spcpub.com/stories/two-other-common-causes-of-sewage-and-drain-backup-are-structural-defects-and-tree-roots-if-left,5750 The CSR Advisor en 2010-05-01 Two other common causes of sewage and drain backup are structural defects and tree roots. If left unchecked, minor problems in sewer lines can become major structural issues over time. Some problems include pipe collapse, sags in the line, cracks, holes, https://spcpub.com/stories/surprisingly-and-unfortunately-vandalism-is-a-large-contributor-to-sewage-backup-leaves-sticks,5751 The CSR Advisor en 2010-05-01 Surprisingly, and unfortunately, vandalism is a large contributor to sewage backup. Leaves, sticks, bricks, rocks, and all manner of solid objects have been found stuffed into manholes. Routine maintenance on the city’s main sanitary line should prevent s https://spcpub.com/stories/many-homeowners-find-out-too-late-that-they-do-not-have-the-proper-coverage-for-sewage-backup-the,5753 The CSR Advisor en 2010-05-01 Many homeowners find out too late that they do not have the proper coverage for sewage backup. The Water Back-Up and Sump Discharge Or Overflow endorsement is an important option that you can recommend to your insureds. https://spcpub.com/stories/insureds-may-not-know-that-they-not-the-city-are-responsible-for-the-lateral-line-and-its,5754 The CSR Advisor en 2010-05-01 Insureds may not know that they, not the city, are responsible for the lateral line and its maintenance. The city will likely not pay for damage in a residence even when the main line caused the damage because the city usually is not legally liable. Most https://spcpub.com/stories/purchasing-the-endorsement-and-following-the-prevention-steps-above-will-protect-the-insured-from,5755 The CSR Advisor en 2010-05-01 Purchasing the endorsement and following the prevention steps above will protect the insured from costly cleanup, repairs, and replacement costs. https://spcpub.com/stories/prevention-of-sewage-backup-for-homeowners,5756 The CSR Advisor en 2010-05-01 Prevention of sewage backup for homeowners https://spcpub.com/stories/your-insureds-can-easily-prevent-lateral-line-blockage-and-backflow-in-many-instances-by,5757 The CSR Advisor en 2010-05-01 Your insureds can easily prevent lateral line blockage and backflow in many instances by: https://spcpub.com/stories/-not-flushing-fats-oils-or-greases-from-food-preparation-down-toilets-or-drains,5758 The CSR Advisor en 2010-05-01 • not flushing fats, oils, or greases from food preparation down toilets or drains; https://spcpub.com/stories/-not-flushing-disposable-diapers-and-sanitary-napkins-or-any-solid-material-too-large-for,5759 The CSR Advisor en 2010-05-01 • not flushing disposable diapers and sanitary napkins or any solid material too large for wastewater pipes; https://spcpub.com/stories/-keeping-drains-clear-of-hair-and-excessive-dirt,5760 The CSR Advisor en 2010-05-01 • keeping drains clear of hair and excessive dirt; https://spcpub.com/stories/-ensuring-there-are-screens-or-stoppers-in-all-drains,5761 The CSR Advisor en 2010-05-01 • ensuring there are screens or stoppers in all drains;  https://spcpub.com/stories/-scheduling-a-sewer-inspection-and-regular-maintenance-and,5762 The CSR Advisor en 2010-05-01 • scheduling a sewer inspection and regular maintenance; and https://spcpub.com/stories/-not-planting-trees-with-shallow-spreading-root-systems-near-the-lateral-line,5763 The CSR Advisor en 2010-05-01 • not planting trees with shallow, spreading root systems near the lateral line. https://spcpub.com/stories/they-also-may-want-to-consider-installing-a-backflow-prevention-device-bpd-this-is-a-valve-or,5764 The CSR Advisor en 2010-05-01 They also may want to consider installing a backflow prevention device (BPD). This is a valve or other device that allows water to go out, but not to come back in. It can be installed on the sewer line and floor drains in basements and the like. Many buil https://spcpub.com/stories/empathy-in-customer-service,5765 The CSR Advisor en 2010-05-01 Empathy in Customer Service https://spcpub.com/stories/there-is-no-better-way-to-increase-client-retention-and-agency-revenue-than-to-provide-exceptional,5766 The CSR Advisor en 2010-05-01 There is no better way to increase client retention and agency revenue than to provide exceptional customer service. You are the frontline for your agency, and while your job may sometimes be unpleasant and some clients may be difficult to deal with, you https://spcpub.com/stories/usaa-customer-service-hall-of-famer,5767 The CSR Advisor en 2010-05-01 USAA: customer service hall-of-famer https://spcpub.com/stories/dont-think-the-sometimes-bad-rap-insurance-agencies-and-insurance-companies-have-cannot-be,5768 The CSR Advisor en 2010-05-01 Don’t think the sometimes bad rap insurance agencies and insurance companies have cannot be overcome? Take a look at USAA, an insurer exclusively for people in the military and their families. It consistently ranks high in customer service and has won awa https://spcpub.com/stories/what-makes-usaas-customer-service-so-praiseworthy-empathy-its-as-simple-as-putting-yourself,5769 The CSR Advisor en 2010-05-01 What makes USAA’s customer service so praiseworthy? Empathy. It’s as simple as putting yourself in other people’s shoes and treating them how you would want to be treated if you were in their situations. USAA teaches new employees how to empathize with th https://spcpub.com/stories/empathy-and-trust,5770 The CSR Advisor en 2010-05-01 Empathy and trust https://spcpub.com/stories/empathy-can-help-build-better-relationships-between-the-agency-and-its-clients-clients-have-to,5771 The CSR Advisor en 2010-05-01 Empathy can help build better relationships between the agency and its clients. Clients have to trust you before they will listen to your suggestions and opinions. They want to know that you understand their needs and wants and are receptive to them. The https://spcpub.com/stories/empathetic-listening,5772 The CSR Advisor en 2010-05-01 Empathetic listening https://spcpub.com/stories/empathetic-listening-is-one-of-the-most-valuable-skills-you-can-possess-as-a-csr-but-it-can-be-a,5773 The CSR Advisor en 2010-05-01 Empathetic listening is one of the most valuable skills you can possess as a CSR, but it can be a difficult skill to master. It’s natural to want to jump in when you disagree with your client’s perspective, or to interrupt when you think of a good idea, b https://spcpub.com/stories/here-are-some-of-the-qualities-of-empathetic-listening,5774 The CSR Advisor en 2010-05-01 Here are some of the qualities of empathetic listening: https://spcpub.com/stories/-listening-with-full-attention-to-sounds-and-other-relevant-signals-including-tone-of-voice-and,5775 The CSR Advisor en 2010-05-01 • Listening with full attention to sounds and other relevant signals, including tone of voice and other verbal qualities such as volume and pacing https://spcpub.com/stories/-paying-attention-to-facial-expression-and-body-language,5776 The CSR Advisor en 2010-05-01 • Paying attention to facial expression and body language https://spcpub.com/stories/-putting-yourself-in-the-clients-shoes,5777 The CSR Advisor en 2010-05-01 • Putting yourself in the client’s shoes https://spcpub.com/stories/-giving-feedback-and-checking-your-understanding-by-asking-questions,5778 The CSR Advisor en 2010-05-01 • Giving feedback and checking your understanding by asking questions https://spcpub.com/stories/-summarizing-and-taking-notes,5779 The CSR Advisor en 2010-05-01 • Summarizing and taking notes https://spcpub.com/stories/-being-honest-when-you-disagree-but-at-the-same-time-expressing-genuine-understanding-of-the,5780 The CSR Advisor en 2010-05-01 • Being honest when you disagree, but at the same time expressing genuine understanding of the client’s feelings https://spcpub.com/stories/-keeping-your-emotions-under-control-even-in-difficult-or-unpleasant-situations,5781 The CSR Advisor en 2010-05-01 • Keeping your emotions under control, even in difficult or unpleasant situations https://spcpub.com/stories/-offering-compromises-and-solutions,5782 The CSR Advisor en 2010-05-01 • Offering compromises and solutions https://spcpub.com/stories/-considering-your-responses-and-planning-what-you-will-say-before-you-say-it,5783 The CSR Advisor en 2010-05-01 • Considering your responses and planning what you will say before you say it https://spcpub.com/stories/-putting-the-clients-needs-first,5784 The CSR Advisor en 2010-05-01 • Putting the client’s needs first https://spcpub.com/stories/its-important-that-clients-understand-that-you-are-on-their-side-poor-listening-skills,5785 The CSR Advisor en 2010-05-01 It’s important that clients understand that you are on their side. Poor listening skills, persuasion, and interruption all can set up an adversarial relationship between you and the client. A cooperative, positive mindset will make your client interaction https://spcpub.com/stories/a-look-at-the-law-,5786 The CSR Advisor en 2010-05-01 A look at the law … https://spcpub.com/stories/is-nonpayment-considered-theft,5787 The CSR Advisor en 2010-05-01 Is nonpayment considered theft? https://spcpub.com/stories/rocky-greenfield-owned-a-wholesale-motor-vehicle-dealership-in-the-state-of-washington-called-gg,5788 The CSR Advisor en 2010-05-01 Rocky Greenfield owned a wholesale motor vehicle dealership in the state of Washington called G&G Liquidation and Auction Company. He was insured by Western Heritage Insurance under a Commercial Garage Policy that covered theft under its “Physical Damage https://spcpub.com/stories/greenfield-attempted-to-collect-his-money-by-filing-a-claim-with-western-thinking-that-the-loss,5789 The CSR Advisor en 2010-05-01 Greenfield attempted to collect his money by filing a claim with Western, thinking that the loss would be covered as a theft. Western denied his claim. Greenfield then sued Western for a declaratory judgment of breach of contract and violation of the Wash https://spcpub.com/stories/greenfield-argued-that-medlens-actions-in-depositing-the-vehicles-payment-in-his-business,5790 The CSR Advisor en 2010-05-01 Greenfield argued that Medlen’s actions in depositing the vehicle’s payment in his business account resulted in a theft based on commingling of funds. His policy language clearly stated that Western would pay for loss by such incidents as fire, windstorm, https://spcpub.com/stories/theft-needs-intent,5791 The CSR Advisor en 2010-05-01 Theft needs intent https://spcpub.com/stories/greenfield-could-not-establish-intent-by-medlen-to-steal-the-property-medlen-did-not-unlawfully-or,5792 The CSR Advisor en 2010-05-01 Greenfield could not establish intent by Medlen to steal the property. Medlen did not unlawfully or wrongfully take the truck – Greenfield consigned it to him. Medlen said in his deposition that he did not intend to leave Greenfield unpaid, but that he wa https://spcpub.com/stories/the-issue-here-is-whether-the-lack-of-payment-by-medlen-allows-the-truck-to-be-considered-a-loss-by,5793 The CSR Advisor en 2010-05-01 The issue here is whether the lack of payment by Medlen allows the truck to be considered a loss by theft under Greenfield’s policy. It is clear from the facts of the case that the truck was not stolen, but that Greenfield lost the opportunity to collect https://spcpub.com/stories/if-you-have-insureds-who-engage-in-consignment-of-vehicles-or-other-property-be-aware-that-loss,5794 The CSR Advisor en 2010-05-01 If you have insureds who engage in consignment of vehicles or other property, be aware that loss based on commingling of funds will most likely not be covered under the theft coverage of most policies. The Auto Dealer Practices Act (ADPA) of Washington st https://spcpub.com/stories/consignment-law-and-bankruptcy,5795 The CSR Advisor en 2010-05-01 Consignment law and bankruptcy https://spcpub.com/stories/as-you-can-see-from-this-issues-a-look-at-the-law-case-consignment-can-raise-sticky-legal,5796 The CSR Advisor en 2010-05-01 As you can see from this issue’s A Look at the Law case, consignment can raise sticky legal issues, especially when third-party creditors become involved. Having a basic understanding of the laws relating to consignment may help you understand it in the c https://spcpub.com/stories/a-consignment-takes-place-when-the-owner-consignor-gives-goods-to-a-consignee-who-then-sells-the,5797 The CSR Advisor en 2010-05-01 A consignment takes place when the owner (consignor) gives goods to a consignee who then sells the goods to a third party. After receiving payment for goods, the consignee then gives the proceeds to the consignor, usually less a commission fee. A consignm https://spcpub.com/stories/the-consignee-also-has-the-right-to-return-the-goods-to-the-consignor-or-the-consignor-can-demand,5798 The CSR Advisor en 2010-05-01 The consignee also has the right to return the goods to the consignor or the consignor can demand the goods back at any time, unless a contract states otherwise. https://spcpub.com/stories/consignment-is-governed-largely-by-each-states-uniform-commercial-code-ucc-while-generally,5799 The CSR Advisor en 2010-05-01 Consignment is governed largely by each state’s Uniform Commercial Code (UCC). While generally the same across states, each state may have adopted its own variations or additions, so your insureds must check the UCC for the specific state or states they a https://spcpub.com/stories/perfecting-the-security-interest,5800 The CSR Advisor en 2010-05-01 Perfecting the security interest https://spcpub.com/stories/ucc-section-9-103d-states-that-the-consignor-has-a-purchase-money-security-interest-in-its,5801 The CSR Advisor en 2010-05-01 UCC Section 9-103(d) states that the consignor has a “purchase money security interest” in its consigned goods. In other words, to use our case as an example, Greenfield had a right to the $15,500 from the sale of his truck. He did not just give it to Med https://spcpub.com/stories/therefore-the-consignor-should-have-a-contract-or-agreement-with-the-consignee-and-many-states,5802 The CSR Advisor en 2010-05-01 Therefore, the consignor should have a contract or agreement with the consignee (and many states have laws requiring certain information to be included in these agreements), but the consignor must also file a UCC-1 financing statement. This acts as legal https://spcpub.com/stories/priority,5803 The CSR Advisor en 2010-05-01 Priority https://spcpub.com/stories/if-a-creditor-is-trying-seize-goods-or-proceeds-from-a-consignment-a-consignor-must-provide-proof,5804 The CSR Advisor en 2010-05-01 If a creditor is trying seize goods or proceeds from a consignment, a consignor must provide proof that his interest in the property came first – in other words, that it has priority over the creditor’s interest. The filing of a UCC-1 is not enough to est https://spcpub.com/stories/action-point,5752 The CSR Advisor en 2010-05-01 Action point https://spcpub.com/stories/a-the-consignor-filed-a-ucc-1-and-had-a-contract-with-the-consignee-before-the-consignee-took-the,5805 The CSR Advisor en 2010-05-01 a. the consignor filed a UCC-1 and had a contract with the consignee before the consignee took the property; https://spcpub.com/stories/b-the-consignor-notified-preexisting-creditors-who-may-have-conflicting-interest-in-the-consigned,5806 The CSR Advisor en 2010-05-01 b. the consignor notified preexisting creditors who may have conflicting interest in the consigned property, stating that a consignment is taking place and describing in detail the consigned property; and https://spcpub.com/stories/c-the-creditors-confirmed-with-the-consignor-that-they-received-the-above-notice,5807 The CSR Advisor en 2010-05-01 c. the creditors confirmed with the consignor that they received the above notice. https://spcpub.com/stories/the-information-needed-to-contact-preexisting-creditors-can-be-found-at-the-state-filing-office-if,5808 The CSR Advisor en 2010-05-01 The information needed to contact preexisting creditors can be found at the state filing office. If the consignee has no preexisting secured creditors, the consignor would naturally have priority over any creditors who obtain an interest in the consignee’ https://spcpub.com/stories/if-the-consignor-files-a-ucc-1-and-takes-the-above-steps-to-establish-priority-it-is-entitled-to,5809 The CSR Advisor en 2010-05-01 If the consignor files a UCC-1 and takes the above steps to establish priority, it is entitled to either the return of its goods or the proceeds of the goods if they have been sold. If the consignor fails to take the above steps, the consignor has no righ https://spcpub.com/stories/consignment-creates-important-coverage-issues-in-connection-with-both-property-and-liability,5810 The CSR Advisor en 2010-05-01 Consignment creates important coverage issues in connection with both property and liability insurance. That’s because the person that owns the property has entrusted it to the care, custody, or control of another party. So, the parties must be sure that https://spcpub.com/stories/residential-fire-sprinklers,5811 The CSR Advisor en 2010-05-01 Residential Fire Sprinklers https://spcpub.com/stories/a-dispute-over-a-proposed-rule-in-florida-requiring-fire-sprinklers-in-many-newly-constructed-homes,5812 The CSR Advisor en 2010-05-01 A dispute over a proposed rule in Florida requiring fire sprinklers in many newly constructed homes brings up an interesting insurance issue nationwide. The requirement is included in the 2009 International Residential Code (IRC), the template for buildin https://spcpub.com/stories/fire-safety-is-an-ongoing-concern-each-year-more-than-3000-deaths-occur-in-residential-fires,5813 The CSR Advisor en 2010-05-01 Fire safety is an ongoing concern. Each year, more than 3,000 deaths occur in residential fires, and property damage due to fire is consistently one of the most costly types of losses covered by homeowners insurance, according to Insurance Services Office https://spcpub.com/stories/for-those-concerned-with-damage-incurred-during-an-accidental-activation-it-is-helpful-to-note-the,5814 The CSR Advisor en 2010-05-01 For those concerned with damage incurred during an accidental activation, it is helpful to note the key features of today’s automatic residential sprinkler systems, which differ from standard commercial systems. https://spcpub.com/stories/-each-sprinkler-head-is-temperature-sensitive-which-causes-it-not-the-entire-system-to,5815 The CSR Advisor en 2010-05-01 • Each sprinkler head is temperature-sensitive, which causes it — not the entire system – to activate at temperatures of 135 to 165 degrees. https://spcpub.com/stories/-sprinklers-respond-only-to-heat-not-to-smoke-or-vapors,5816 The CSR Advisor en 2010-05-01 • Sprinklers respond only to heat, not to smoke or vapors. https://spcpub.com/stories/-only-the-sprinklers-over-the-fire-will-activate-this-often-reduces-the-extent-of-property,5817 The CSR Advisor en 2010-05-01 • Only the sprinklers over the fire will activate. This often reduces the extent of property loss. https://spcpub.com/stories/-sprinklers-limit-fire-growth-sometimes-even-putting-out-the-fire-before-the-fire-department,5818 The CSR Advisor en 2010-05-01 • Sprinklers limit fire growth, sometimes even putting out the fire before the fire department arrives. This limits further property damage that high-pressure fire department hoses may cause. https://spcpub.com/stories/untitled,5819 The CSR Advisor en 2010-05-01 https://spcpub.com/stories/a-study-by-the-national-fire-protection-association-nfpa-found-that-sprinklers-operated,5820 The CSR Advisor en 2010-05-01 A study by the National Fire Protection Association (NFPA) found that sprinklers operated effectively in 91 percent of all reported structure fires when the sprinkler system was present in the area where the fire was burning, and when the fire was large e https://spcpub.com/stories/it-is-clear-that-preventing-a-fire-from-spreading-will-save-thousands-of-dollars-in-property-damage,5821 The CSR Advisor en 2010-05-01 It is clear that preventing a fire from spreading will save thousands of dollars in property damage losses, and that means lower claims. Water damage from faulty sprinklers or accidental activation should not be a concern due to the modern features of res https://spcpub.com/stories/action-point,5822 The CSR Advisor en 2010-05-01 Action Point https://spcpub.com/stories/its-up-to-each-state-to-decide-whether-to-adopt-the-new-provisions-contained-in-the-irc,5823 The CSR Advisor en 2010-05-01 It’s up to each state to decide whether to adopt the new provisions contained in the IRC, including the provision to require fire sprinklers in new one- and two-family dwellings and townhouses. This issue should be watched because of the relationship it h https://spcpub.com/stories/also-most-insurers-offer-discounts-on-homeowners-premiums-for-fire-sprinkler-protection-systems,5824 The CSR Advisor en 2010-05-01 Also, most insurers offer discounts on homeowners premiums for fire sprinkler protection systems — and coverage should the sprinkler system leak or accidentally go off. There are good reasons for your insureds to install fire sprinkler protection. https://spcpub.com/stories/two-minute-memo-,5825 The CSR Advisor en 2010-05-01 Two-minute memo ... https://spcpub.com/stories/help-insureds-avoid-bicycle-theft,5826 The CSR Advisor en 2010-05-01 Help insureds avoid bicycle theft https://spcpub.com/stories/warmer-weather-is-here-and-that-means-more-opportunities-for-bike-rides-unfortunately-it-can,5827 The CSR Advisor en 2010-05-01 Warmer weather is here, and that means more opportunities for bike rides. Unfortunately, it can also mean more opportunities for bike theft. Cycling can be a weekend pastime or a primary means of transportation. People are increasingly more likely to ride https://spcpub.com/stories/according-to-the-insurance-information-institute-the-national-bike-registry-estimates-that-over,5828 The CSR Advisor en 2010-05-01 According to the Insurance Information Institute, the National Bike Registry estimates that over one million bicycles are stolen every year, and most are never recovered. The registry estimates the cost of these losses at about $200 million. https://spcpub.com/stories/homeowners-and-renters-policies-cover-bicycles-even-when-the-theft-occurs-away-from-home-however,5829 The CSR Advisor en 2010-05-01 Homeowners and renters policies cover bicycles, even when the theft occurs away from home. However, usually a $250-$500 deductible applies, which can often amount to more than the bike is worth. On the other hand, cycling enthusiasts spend a lot of time a https://spcpub.com/stories/for-your-insureds-who-own-expensive-bikes-it-may-be-in-their-best-interests-to-purchase-a-floater,5830 The CSR Advisor en 2010-05-01 For your insureds who own expensive bikes, it may be in their best interests to purchase a floater. This will provide more coverage than the homeowners or renters insurance they may already have. A floater typically costs about $9 for every $100 the bicyc https://spcpub.com/stories/additionally-you-can-let-your-insureds-know-about-the-following-tips-to-help-prevent-their,5831 The CSR Advisor en 2010-05-01 Additionally, you can let your insureds know about the following tips to help prevent their bicycles from being stolen. https://spcpub.com/stories/-lock-your-bike-even-if-it-is-on-your-porch-or-in-your-garage-or-if-you-are-leaving-it,5832 The CSR Advisor en 2010-05-01 • Lock your bike, even if it is on your porch or in your garage or if you are leaving it unattended only for a short time. https://spcpub.com/stories/-buy-a-heavy-duty-lock-cable-locks-and-small-chains-are-easily-cut-so-stay-away-from-them,5833 The CSR Advisor en 2010-05-01 • Buy a heavy-duty lock. Cable locks and small chains are easily cut, so stay away from them. Locks should leave as little room as possible between it and the bike to prevent thieves from using leverage to break them. A good guideline is that your lock s https://spcpub.com/stories/-choose-well-lit-highly-public-places-to-lock-your-bike-a-spot-with-cameras-is-even-better,5834 The CSR Advisor en 2010-05-01 • Choose well-lit, highly public places to lock your bike. A spot with cameras is even better. Don’t lock your bike in the same spot every day. https://spcpub.com/stories/-lock-your-bike-correctly-this-means-locking-the-frame-and-both-wheels-if-possible-to-a,5835 The CSR Advisor en 2010-05-01 • Lock your bike correctly. This means locking the frame and both wheels, if possible, to a sturdy, permanent object. https://spcpub.com/stories/all-locks-can-be-broken-but-these-tips-likely-will-make-the-bike-too-much-trouble-to-steal,5836 The CSR Advisor en 2010-05-01 All locks can be broken, but these tips likely will make the bike too much trouble to steal. https://spcpub.com/stories/your-insureds-should-also-register-their-bicycles-with-their-local-law-enforcement-the-police-will,5837 The CSR Advisor en 2010-05-01 Your insureds should also register their bicycles with their local law enforcement. The police will be more likely to find and return bikes that have been registered, especially if they have the serial number. https://spcpub.com/stories/hurricane-season-2010,5838 The CSR Advisor en 2010-05-01 Hurricane Season 2010 https://spcpub.com/stories/the-early-predictions-for-the-2010-hurricane-season-for-the-atlantic-are-in-and-it-doesnt,5839 The CSR Advisor en 2010-05-01 The early predictions for the 2010 hurricane season for the Atlantic are in — and it doesn’t look good. Hurricane season starts June 1 and ends November 30. Meteorologists say this season looks to be much more active than last, which had only six tropical https://spcpub.com/stories/accuweather-hurricane-forecaster-joe-bastardi-predicts-15-total-storms-5-of-which-will-be,5840 The CSR Advisor en 2010-05-01 AccuWeather hurricane forecaster Joe Bastardi predicts 15 total storms, 5 of which will be hurricanes. He believes two or three of those hurricanes will be classified as major — Category 3 or above. https://spcpub.com/stories/colorado-state-university-csu-also-released-early-hurricane-predictions-its-forecasters-dr,5841 The CSR Advisor en 2010-05-01 Colorado State University (CSU) also released early hurricane predictions. Its forecasters, Dr. William Gray and Dr. Phillip Klotzbach, predict 11–16 total storms, including 6–8 hurricanes, 3–5 of which will be major. This is the first year CSU has releas https://spcpub.com/stories/high-storm-estimates-are-based-on-the-rapidly-dissipating-el-nio-climate-pattern-which-produces,5842 The CSR Advisor en 2010-05-01 High storm estimates are based on the rapidly dissipating El Niño climate pattern, which produces warm waters in the Eastern Pacific and tends to suppress Atlantic hurricanes. This leaves Atlantic water warmer than usual, and tropical storms gather energy https://spcpub.com/stories/early-predictions-are-certainly-not-foolproof-and-the-csu-team-has-cautioned-that-hurricane,5843 The CSR Advisor en 2010-05-01 Early predictions are certainly not foolproof, and the CSU team has cautioned that hurricane forecasts are imprecise and often wrong. However, it is better to be prepared for a severe season than to be unprepared in expectation of a mild season like last https://spcpub.com/stories/monthly-quiz,5844 The CSR Advisor en 2010-05-01 Monthly quiz https://spcpub.com/stories/this-months-quiz-tests-your-knowledge-of-inland-marine-insurance,5845 The CSR Advisor en 2010-05-01 This month’s quiz tests your knowledge of inland marine insurance. https://spcpub.com/stories/1-under-a-commercial-inland-marine-policy-if-the-insurer-pays-a-total-loss-for-a-scheduled-item,5846 The CSR Advisor en 2010-05-01 1. Under a Commercial Inland Marine Policy, if the insurer pays a total loss for a scheduled item, the company will: https://spcpub.com/stories/a-consider-the-premium-paid-for-the-scheduled-item-to-be-fully-earned,5847 The CSR Advisor en 2010-05-01 a. Consider the premium paid for the scheduled item to be fully earned. https://spcpub.com/stories/b-refund-all-of-the-premium-paid-for-the-scheduled-item,5848 The CSR Advisor en 2010-05-01 b. Refund all of the premium paid for the scheduled item. https://spcpub.com/stories/c-refund-the-unearned-premium-for-the-scheduled-item,5849 The CSR Advisor en 2010-05-01 c. Refund the unearned premium for the scheduled item. https://spcpub.com/stories/2-one-of-the-more-complex-inland-marine-forms-is-the-jewelers-block-coverage-form-all-of-the,5850 The CSR Advisor en 2010-05-01 2. One of the more complex Inland Marine forms is the Jewelers Block Coverage Form. All of the following statements about this form are correct EXCEPT: https://spcpub.com/stories/a-property-exhibited-off-the-described-premises-may-be-covered-by-endorsement,5851 The CSR Advisor en 2010-05-01 a. Property exhibited off the described premises may be covered by endorsement. https://spcpub.com/stories/b-the-jewelers-block-application-is-at-best-a-representation-on-the-part-of-the-insured,5852 The CSR Advisor en 2010-05-01 b. The jewelers block application is at best a representation on the part of the insured. https://spcpub.com/stories/c-one-condition-of-the-policy-deals-with-the-suspension-of-protective-safeguards,5853 The CSR Advisor en 2010-05-01 c. One condition of the policy deals with the suspension of protective safeguards. https://spcpub.com/stories/3-the-physicians-and-surgeons-equipment-coverage-form-covers-three-basic-categories-of-property,5854 The CSR Advisor en 2010-05-01 3. The Physicians and Surgeons Equipment Coverage Form covers three basic categories of property. Which of the following is NOT one of these categories? https://spcpub.com/stories/a-professional-equipment,5855 The CSR Advisor en 2010-05-01 a. Professional equipment. https://spcpub.com/stories/b-tenant-insureds-interest-in-improvements-and-betterments,5856 The CSR Advisor en 2010-05-01 b. Tenant-insured’s interest in improvements and betterments. https://spcpub.com/stories/c-patients-accounts-receivable,5857 The CSR Advisor en 2010-05-01 c. Patients’ accounts receivable. https://spcpub.com/stories/answers-1c-2b-3c,5858 The CSR Advisor en 2010-05-01 Answers: 1c, 2b, 3c https://spcpub.com/stories/insuring-recreational-boats,5860 The CSR Advisor en 2010-06-01 Insuring recreational boats https://spcpub.com/stories/its-summertime-and-that-means-its-time-to-make-sure-canoes-speedboats-sailboats-yachts,5861 The CSR Advisor en 2010-06-01 It’s summertime, and that means it’s time to make sure canoes, speedboats, sailboats, yachts, jet-skis, and any other personal watercraft are properly insured. Maybe some of your insureds purchased watercraft recently and aren’t sure whether their boats a https://spcpub.com/stories/coverage-under-the-homeowners-policy,5862 The CSR Advisor en 2010-06-01 Coverage under the homeowners policy https://spcpub.com/stories/very-limited-coverage-for-boats-exists-under-standard-homeowners-or-renters-policies-and-boats-are,5863 The CSR Advisor en 2010-06-01 Very limited coverage for boats exists under standard homeowners or renters policies, and boats are not covered under personal auto policies. ISO’s standard homeowners policy has a limit of $1,500 on all watercraft, including trailers, furnishings, equipm https://spcpub.com/stories/the-homeowners-policys-liability-coverage-applies-to-watercraft-but-only-under-limited,5864 The CSR Advisor en 2010-06-01 The homeowners policy’s liability coverage applies to watercraft, but only under limited circumstances. The watercraft cannot be engaged in any race or other competition, unless it is a sailing vessel, at the time of the occurrence. It also cannot be rent https://spcpub.com/stories/coverage-applies-to-owned-watercraft-only-if-the-watercraft-is-stored-is-a-sailboat-less-than-26,5865 The CSR Advisor en 2010-06-01 Coverage applies to owned watercraft only if the watercraft is stored; is a sailboat less than 26 feet in overall length; or is a boat, other than a sailboat, powered by a small engine or motor. To be covered, an inboard or inboard-outboard engine or moto https://spcpub.com/stories/if-the-watercraft-is-neither-owned-by-nor-rented-to-the-insured-the-size-limitations-do-not-apply,5866 The CSR Advisor en 2010-06-01 If the watercraft is neither owned by nor rented to the insured, the size limitations do not apply. For example, if your insured were liable for an accident with a boat borrowed from a friend, there would be coverage. https://spcpub.com/stories/an-endorsement-ho-24-75-10-allows-an-insured-to-schedule-one-or-more-boats-for-liability-coverage,5867 The CSR Advisor en 2010-06-01 An endorsement, HO 24 75 10, allows an insured to schedule one or more boats for liability coverage — the endorsement eliminates size requirements. However, the $1,500 limit for damage to the boat still applies. https://spcpub.com/stories/if-your-insured-decides-on-a-canoe-paddleboat-or-small-fishing-boat-the-coverage-provided-under,5868 The CSR Advisor en 2010-06-01 If your insured decides on a canoe, paddleboat, or small fishing boat, the coverage provided under the homeowners policy may be adequate. Usually, anything larger will require a physical damage limit higher than what the homeowners policy offers, and addi https://spcpub.com/stories/boat-insurance,5869 The CSR Advisor en 2010-06-01 Boat insurance https://spcpub.com/stories/property-damage-larger-and-faster-boats-as-well-as-personal-watercraft-such-as-jet-skis-require,5870 The CSR Advisor en 2010-06-01 Property damage: Larger and faster boats, as well as personal watercraft such as jet-skis, require a separate boat insurance policy. Boat policies typically afford all-risks coverage for damage to the insured boat, as well as liability coverage. Many fact https://spcpub.com/stories/typical-boat-insurance-policies-cover-physical-loss-or-damage-to-the-hull-machinery-fittings,5871 The CSR Advisor en 2010-06-01 Typical boat insurance policies cover physical loss or damage to the hull, machinery, fittings, furnishings, and permanently attached equipment. Many insurers allow the insured to choose between actual cash value and agreed amount coverage. Actual cash va https://spcpub.com/stories/liability-boat-insurance-also-typically-covers-the-following,5872 The CSR Advisor en 2010-06-01 Liability: Boat insurance also typically covers the following: https://spcpub.com/stories/-bodily-injury-and-property-damage-liability,5873 The CSR Advisor en 2010-06-01 • bodily injury and property damage liability, https://spcpub.com/stories/-guest-passenger-liability-legal-expenses-incurred-by-others-using-the-boat-with-the-owners,5874 The CSR Advisor en 2010-06-01 • guest passenger liability (legal expenses incurred by others using the boat with the owner’s permission), and https://spcpub.com/stories/-medical-payments-for-injuries-to-both-the-boat-owner-and-other-passengers,5875 The CSR Advisor en 2010-06-01 • medical payments for injuries to both the boat owner and other passengers. https://spcpub.com/stories/typical-boat-insurance-policies-include-liability-limits-starting-at-15000-which-can-be,5876 The CSR Advisor en 2010-06-01 Typical boat insurance policies include liability limits starting at $15,000, which can be increased to $300,000. If your insureds require more coverage, they may want to purchase an umbrella liability policy. This will provide additional protection for t https://spcpub.com/stories/some-policies-also-offer-additional-coverage-for-towing-and-emergency-maintenance-personal,5877 The CSR Advisor en 2010-06-01 Some policies also offer additional coverage for towing and emergency maintenance, personal property, fishing equipment, and damage caused by uninsured boaters. Let your insureds know about any additional coverages they may need. https://spcpub.com/stories/yacht-policies,5878 The CSR Advisor en 2010-06-01 Yacht policies https://spcpub.com/stories/large-boats-typically-boats-over-26-feet-and-worth-more-than-50000-require-separate,5879 The CSR Advisor en 2010-06-01 Large boats — typically, boats over 26 feet and worth more than $50,000 — require separate yacht policies. These policies vary among insurers and can be tailored to the insured’s specific needs. Yacht policies are usually written on an all-risk basis and https://spcpub.com/stories/like-small-boat-policies-common-forms-for-yachts-exclude-coverage-for-wear-and-tear-gradual,5880 The CSR Advisor en 2010-06-01 Like small-boat policies, common forms for yachts exclude coverage for wear and tear, gradual deterioration, damage from marine life, manufacturers’ defects, and ice or freezing while the boat is moored or laid-up afloat. They also exclude coverage for op https://spcpub.com/stories/most-boat-owners-will-not-find-enough-coverage-under-the-homeowners-policy-and-will-require,5882 The CSR Advisor en 2010-06-01 Most boat owners will not find enough coverage under the homeowners policy and will require separate watercraft policies. Learn your insureds’ specific needs and concerns, as well as the details of the watercraft and where it will be used, in order to pro https://spcpub.com/stories/tornado-damage-whats-covered,5884 The CSR Advisor en 2010-06-01 Tornado damage: what’s covered? https://spcpub.com/stories/tornadoes-are-not-something-many-people-usually-think-about-when-purchasing-insurance-however-the,5885 The CSR Advisor en 2010-06-01 Tornadoes are not something many people usually think about when purchasing insurance. However, the deadly April 24 tornado in Mississippi that left 10 dead and many without homes is a reminder that we must always prepare for the unexpected. Each year, ar https://spcpub.com/stories/building-codes-in-tornado-alley-have-a-different-emphasis-than-requirements-in-other-disaster-prone,5888 The CSR Advisor en 2010-06-01 Building codes in Tornado Alley have a different emphasis than requirements in other disaster-prone areas. Whereas in Florida, strict building codes regulate how roofs and walls are connected because of the likelihood of hurricanes, states in Tornado Alle https://spcpub.com/stories/coverage-under-the-homeowners-policy,5889 The CSR Advisor en 2010-06-01 Coverage under the homeowners policy https://spcpub.com/stories/standard-homeowners-policies-provide-coverage-for-wind-damage-due-to-tornadoes-some-people-believe,5890 The CSR Advisor en 2010-06-01 Standard homeowners policies provide coverage for wind damage due to tornadoes. Some people believe that opening the windows equalizes the pressure from tornadoes and lessens damage, but the National Oceanic and Atmospheric Association (NOAA) has proved t https://spcpub.com/stories/the-homeowners-policy-also-provides-coverage-for-additional-living-expenses-ale-such-as-hotel,5891 The CSR Advisor en 2010-06-01 The homeowners policy also provides coverage for additional living expenses (ALE) — such as hotel bills, restaurant meals, and other expenses — your insureds may incur while living in temporary housing. The ALE coverage provides protection to maintain you https://spcpub.com/stories/should-a-strong-tornado-directly-hit-a-home-the-damage-would-likely-require-that-the-entire-home,5892 The CSR Advisor en 2010-06-01 Should a strong tornado directly hit a home, the damage would likely require that the entire home and most of its contents be replaced. Severe tornadoes boast wind speeds of 200 to 300 miles per hour and are violent enough to tear a home right off its fou https://spcpub.com/stories/its-important-that-the-home-be-insured-to-value-the-claim-process-after-a-physically-and,5893 The CSR Advisor en 2010-06-01 It’s important that the home be insured to value. The claim process after a physically and emotionally stressful disaster is not the best time for an insured to be surprised by unexpected financial burdens. Typically, personal belongings are covered at ac https://spcpub.com/stories/your-insureds-should-also-understand-their-deductibles-depending-on-the-state-and-location-some,5894 The CSR Advisor en 2010-06-01 Your insureds should also understand their deductibles. Depending on the state and location, some insurers have separate windstorm deductibles that are calculated as a percentage of the home’s insured value. In some states, insureds have the option of re https://spcpub.com/stories/tornadoes-are-extremely-violent-and-destructive-natural-disasters-so-it-is-important-that-your,5895 The CSR Advisor en 2010-06-01 Tornadoes are extremely violent and destructive natural disasters, so it is important that your insureds know what to expect from their policy. Preparedness cannot be stressed enough. As with any other disaster, your insureds should have a plan of where t https://spcpub.com/stories/tornadoes-can-occur-all-over-the-world-but-are-most-common-in-the-united-states-especially-in-the,5886 The CSR Advisor en 2010-06-01 Tornadoes can occur all over the world, but are most common in the United States, especially in the plains area between the Rocky Mountains and the Appalachians. This general area is sometimes referred to as Tornado Alley, although that term is often used https://spcpub.com/stories/building-codes,5887 The CSR Advisor en 2010-06-01 Building codes https://spcpub.com/stories/a-look-at-the-law-,5897 The CSR Advisor en 2010-06-01 A look at the law … https://spcpub.com/stories/intentional-injury-covered-by-personal-umbrella,5898 The CSR Advisor en 2010-06-01 Intentional injury covered by personal umbrella? https://spcpub.com/stories/on-may-5-2002-adam-copp-and-his-roommate-sean-manley-were-celebrating-their-last-day-of-finals,5899 The CSR Advisor en 2010-06-01 On May 5, 2002, Adam Copp and his roommate, Sean Manley, were celebrating their last day of finals by playing a drinking game known as “beer pong” in their Virginia apartment. Two strangers entered through a partially open door and asked if they could cha https://spcpub.com/stories/dugger-continued-to-swear-and-yell-at-copp-from-behind-the-closed-door-and-copp-went-outside-to,5900 The CSR Advisor en 2010-06-01 Dugger continued to swear and yell at Copp from behind the closed door, and Copp went outside to try to talk to him. He was confronted by several people who had come down from a gathering on another floor to investigate the noise. The group of four or fiv https://spcpub.com/stories/copp-realized-he-was-outnumbered-and-began-to-fear-for-his-safety-in-an-attempt-to-prevent-injury,5901 The CSR Advisor en 2010-06-01 Copp realized he was outnumbered and began to fear for his safety. In an attempt to prevent injury to himself and to leave the hostile situation, he swung his arms out and hit one of the individuals, Gregory Jacobson, allegedly unintentionally. The blow k https://spcpub.com/stories/jacobson-sued-copp-for-compensatory-and-punitive-damages-for-assault-and-battery-alleging-that,5902 The CSR Advisor en 2010-06-01 Jacobson sued Copp for compensatory and punitive damages for assault and battery, alleging that Copp “willfully and intentionally hit [Jacobson]” and that Copp’s “actions were unjustified [and] malicious.” https://spcpub.com/stories/the-policies,5903 The CSR Advisor en 2010-06-01 The policies https://spcpub.com/stories/copp-was-an-insured-under-his-parents-homeowners-and-umbrella-policies-issued-by-nationwide,5904 The CSR Advisor en 2010-06-01 Copp was an insured under his parents’ homeowners and umbrella policies issued by Nationwide Mutual Insurance Company. The homeowners policy language unambiguously excluded liability for intentional or expected bodily injury. https://spcpub.com/stories/the-issue-at-hand-is-whether-nationwide-had-a-duty-to-defend-and-indemnify-copp-in-the-case-brought,5905 The CSR Advisor en 2010-06-01 The issue at hand is whether Nationwide had a duty to defend and indemnify Copp in the case brought against him by Jacobson. Nationwide brought action seeking a declaration that it had no duty to defend Copp in the tort action, and the circuit court found https://spcpub.com/stories/the-umbrella-policy-provided-coverage-for-personal-injury-and-property-damage-arising-from-an,5906 The CSR Advisor en 2010-06-01 The umbrella policy provided coverage for personal injury and property damage arising from an “occurrence,” meaning an “accident.” The umbrella policy contained one clause excluding liability for “personal injury arising out of . . . willful violation of https://spcpub.com/stories/the-eight-corners-rule,5907 The CSR Advisor en 2010-06-01 The eight corners rule https://spcpub.com/stories/nationwide-argued-that-only-the-four-corners-of-the-insurance-policy-and-the-four-corners-of-the,5908 The CSR Advisor en 2010-06-01 Nationwide argued that only the four corners of the insurance policy and the four corners of the complaint should be analyzed regarding the duty to provide defense — the “eight corners rule.” This means that Copp’s planned defense — that he hit Jacobson a https://spcpub.com/stories/the-appeals-court-took-a-different-view-this-case-stood-apart-from-the-other-cases-involving-the,5909 The CSR Advisor en 2010-06-01 The appeals court took a different view. This case stood apart from the other cases involving the eight corners rule because of the exception in the insurance policy stating that an exclusion “does not apply to bodily injury or property damage caused by a https://spcpub.com/stories/the-duty-to-defend-is-broader-than-the-duty-to-indemnify-and-it-arises-when-some-of-the-facts-and,5910 The CSR Advisor en 2010-06-01 The duty to defend is broader than the duty to indemnify, and it arises when some of the facts and circumstances would be covered by the policy if proven. Therefore, the insurer can refuse to defend the insured only if there is no possibility that there w https://spcpub.com/stories/in-this-case-it-seems-that-the-lower-court-overlooked-part-of-the-eight-corners-rule-it,5911 The CSR Advisor en 2010-06-01 In this case, it seems that the lower court overlooked part of the eight corners rule. It considered only the four corners of the complaint and neglected to look deeply enough into the insurance policy. Regardless of whether the insurer believed Copp’s st https://spcpub.com/stories/untitled,5912 The CSR Advisor en 2010-06-01 https://spcpub.com/stories/better-business-grammar-,5913 The CSR Advisor en 2010-06-01 Better business grammar … https://spcpub.com/stories/the-dangling-modifier,5914 The CSR Advisor en 2010-06-01 The dangling modifier https://spcpub.com/stories/a-dangling-modifier-is-a-word-or-phrase-that-appears-to-modify-the-wrong-word-in-a-sentence-it-is,5915 The CSR Advisor en 2010-06-01 A dangling modifier is a word or phrase that appears to modify the wrong word in a sentence. It is often (but not always) found at the beginning of a sentence. Dangling modifiers are very common, and they are often unintentionally funny. You may know what https://spcpub.com/stories/after-entering-your-confirmation-code-the-free-issue-will-appear-in-your-inbox,5916 The CSR Advisor en 2010-06-01 After entering your confirmation code, the free issue will appear in your inbox. https://spcpub.com/stories/the-free-issue-does-not-enter-the-confirmation-code-you-do,5917 The CSR Advisor en 2010-06-01 The free issue does not enter the confirmation code, you do! https://spcpub.com/stories/as-a-new-member-i-would-like-to-welcome-you-to-our-association,5918 The CSR Advisor en 2010-06-01 As a new member, I would like to welcome you to our association. https://spcpub.com/stories/the-person-writing-the-email-isnt-a-new-member-the-person-receiving-it-is-you-can-fix-both,5919 The CSR Advisor en 2010-06-01 The person writing the email isn’t a new member, the person receiving it is. You can fix both sentences by putting the subject that the phrase is modifying right after the phrase: https://spcpub.com/stories/after-entering-your-confirmation-code-you-can-find-your-free-issue-in-your-inbox,5920 The CSR Advisor en 2010-06-01 After entering your confirmation code, you can find your free issue in your inbox. https://spcpub.com/stories/as-a-new-member-you-are-welcomed-into-our-association-or-even-better-i-would-like-to-welcome-you,5921 The CSR Advisor en 2010-06-01 As a new member, you are welcomed into our association. Or even better, I would like to welcome you as a new member into our association. https://spcpub.com/stories/to-avoid-dangling-phrases-at-the-beginning-of-sentences-watch-for-groups-of-words-including-either,5922 The CSR Advisor en 2010-06-01 To avoid dangling phrases at the beginning of sentences, watch for groups of words including either “as” or “–ing” words, the most common offenders. If the word group modifies a subject, the subject must come directly after it. Pay attention to what the s https://spcpub.com/stories/this-is-an-easy-mistake-to-make-and-it-can-cause-confusion-along-with-the-occasional-chuckle-you,5923 The CSR Advisor en 2010-06-01 This is an easy mistake to make, and it can cause confusion along with the occasional chuckle. You want to make sure that your writing is clear and easy to understand, so be aware of this error and avoid the sentence constructions that cause it. https://spcpub.com/stories/credibility-and-confidence,5924 The CSR Advisor en 2010-06-01 Credibility and confidence https://spcpub.com/stories/it-is-important-to-project-confidence-when-you-are-speaking-to-your-insureds-if-you-dont-seem,5925 The CSR Advisor en 2010-06-01 It is important to project confidence when you are speaking to your insureds. If you don’t seem confident, your insureds won’t trust you, and that means their loyalty and willingness to accept your suggestions and remain with your agency may decline. It c https://spcpub.com/stories/project-confidence-and-credibility-in-person,5926 The CSR Advisor en 2010-06-01 Project confidence and credibility in person https://spcpub.com/stories/in-person-your-dress-and-body-language-can-give-the-impression-to-your-insureds-that-you-are-a,5927 The CSR Advisor en 2010-06-01 In person, your dress and body language can give the impression to your insureds that you are a competent, credible professional. Dressing in clean, wrinkle-free clothes that project professionalism and keeping yourself well-groomed are indications that y https://spcpub.com/stories/be-sure-to-stand-up-straight-make-eye-contact-and-give-a-firm-handshake-when-meeting-with-your,5928 The CSR Advisor en 2010-06-01 Be sure to stand up straight, make eye contact, and give a firm handshake when meeting with your clients. You should always appear attentive and alert, so don’t slouch in your chair or let your eyes wander around the room while your insured is speaking to https://spcpub.com/stories/inspire-confidence-on-the-phone,5929 The CSR Advisor en 2010-06-01 Inspire confidence on the phone https://spcpub.com/stories/it-can-be-more-difficult-to-inspire-confidence-over-the-phone-because-your-insureds-cant-see,5930 The CSR Advisor en 2010-06-01 It can be more difficult to inspire confidence over the phone because your insureds can’t see your facial expressions or read your body language. They also can’t see what you’re doing if you put them on hold while you look for something or go ask a collea https://spcpub.com/stories/if-you-have-to-transfer-insureds-to-someone-else-let-them-know-why-they-are-being-transferred-and,5931 The CSR Advisor en 2010-06-01 If you have to transfer insureds to someone else, let them know why they are being transferred and to whom they are being transferred. It helps you to retain your insureds’ confidence by telling them you are transferring them to an expert or specialist or https://spcpub.com/stories/never-be-afraid-to-say-you-dont-know-the-answer-to-something-but-dont-just-leave-it-at,5932 The CSR Advisor en 2010-06-01 Never be afraid to say you don’t know the answer to something — but don’t just leave it at that. “I don’t know the answer to that, but I can transfer you to somebody who does” sounds a lot better than “I’m not sure.” https://spcpub.com/stories/if-you-feel-like-you-need-more-time-to-answer-a-question-take-a-number-and-explain-that-you-will,5933 The CSR Advisor en 2010-06-01 If you feel like you need more time to answer a question, take a number and explain that you will call back as soon as you obtain the required information. As with any promise you make to an insured, make sure you follow through and actually do call back https://spcpub.com/stories/always-give-your-insureds-a-clear-authoritative-answer-to-any-questions-they-may-have-avoid-too,5934 The CSR Advisor en 2010-06-01 Always give your insureds a clear, authoritative answer to any questions they may have. Avoid too many “uhms” and “ahs” in the conversation. Your word choice and tone should project certainty and authority, and if the insureds ask another member of your t https://spcpub.com/stories/your-insureds-trust-is-an-invaluable-asset-and-it-takes-time-and-effort-to-maintain-be-sure-to,5935 The CSR Advisor en 2010-06-01 Your insureds’ trust is an invaluable asset, and it takes time and effort to maintain. Be sure to project a confident image and speak with authority. Your insureds often trust you with their most valuable and important assets. They want to know you deserv https://spcpub.com/stories/two-minute-memo-,5936 The CSR Advisor en 2010-06-01 Two-minute memo … https://spcpub.com/stories/boating-safety,5937 The CSR Advisor en 2010-06-01 Boating safety https://spcpub.com/stories/imagine-what-it-would-be-like-if-you-didnt-need-a-license-to-drive-scary-isnt-it-well-you,5938 The CSR Advisor en 2010-06-01 Imagine what it would be like if you didn’t need a license to drive. Scary, isn’t it? Well, you don’t need a license to operate a boat in most states, which makes boating safety and education extremely important. Many insurers offer discounts for boat own https://spcpub.com/stories/along-with-safety-education-boaters-should-follow-these-suggestions-for-responsible-boating,5939 The CSR Advisor en 2010-06-01 Along with safety education, boaters should follow these suggestions for responsible boating. https://spcpub.com/stories/care-and-protection-of-vessel,5940 The CSR Advisor en 2010-06-01 Care and protection of vessel https://spcpub.com/stories/-check-weather-forecasts-before-heading-out,5941 The CSR Advisor en 2010-06-01 • Check weather forecasts before heading out. https://spcpub.com/stories/-let-someone-know-where-youre-going-and-when-you-expect-to-return,5942 The CSR Advisor en 2010-06-01 • Let someone know where you’re going and when you expect to return. https://spcpub.com/stories/-check-engine-fuel-electrical-and-steering-systems-especially-for-exhaust-system-leaks,5943 The CSR Advisor en 2010-06-01 • Check engine, fuel, electrical, and steering systems, especially for exhaust-system leaks. https://spcpub.com/stories/-carry-one-or-more-fire-extinguishers-keep-them-readily-accessible,5944 The CSR Advisor en 2010-06-01 • Carry one or more fire extinguishers. Keep them readily accessible.  https://spcpub.com/stories/-equip-the-vessel-with-required-navigation-lights-and-with-a-whistle-horn-or-bell,5945 The CSR Advisor en 2010-06-01 • Equip the vessel with required navigation lights and with a whistle, horn, or bell. https://spcpub.com/stories/-consider-additional-safety-devices-such-as-a-paddle-or-oars-a-first-aid-kit-a-supply-of,5946 The CSR Advisor en 2010-06-01 • Consider additional safety devices, such as a paddle or oars, a first-aid kit, a supply of fresh water, a tool kit and spare parts, a flashlight, flares, and a radio. https://spcpub.com/stories/care-and-protection-of-crew-and-guests,5947 The CSR Advisor en 2010-06-01 Care and protection of crew and guests https://spcpub.com/stories/-require-every-person-on-board-to-wear-a-life-jacket,5948 The CSR Advisor en 2010-06-01 • Require every person on board to wear a life-jacket. https://spcpub.com/stories/-know-and-obey-marine-traffic-laws-and-learn-distress-signals,5949 The CSR Advisor en 2010-06-01 • Know and obey marine traffic laws and learn distress signals. https://spcpub.com/stories/-keep-an-alert-lookout-for-other-watercraft-swimmers-floating-debris-and-hazard-markers,5950 The CSR Advisor en 2010-06-01 • Keep an alert lookout for other watercraft, swimmers, floating debris, and hazard markers. https://spcpub.com/stories/-pay-attention-to-loading,5951 The CSR Advisor en 2010-06-01 • Pay attention to loading. https://spcpub.com/stories/dont-overload-distribute-the-load-evenly-dont-stand-up-or-shift-weight-suddenly-in-a,5952 The CSR Advisor en 2010-06-01 •Don’t overload; distribute the load evenly; don’t stand up or shift weight suddenly in a small boat; and don’t permit riding on the bow (unless there is seating), seatbacks, or gunwales. https://spcpub.com/stories/-never-operate-a-boat-while-under-the-influence-of-alcohol-or-drugs-its-dangerous-and,5953 The CSR Advisor en 2010-06-01 • Never operate a boat while under the influence of alcohol or drugs. It’s dangerous and illegal. https://spcpub.com/stories/untitled,5896 The CSR Advisor en 2010-06-01 https://spcpub.com/stories/test-your-knowledge-,5954 The CSR Advisor en 2010-06-01 Test your knowledge … https://spcpub.com/stories/wedding-insurance-policies,5955 The CSR Advisor en 2010-06-01 Wedding insurance policies https://spcpub.com/stories/your-recently-engaged-insured-plans-an-elaborate-wedding-for-next-summer-2011-when-she-brought,5956 The CSR Advisor en 2010-06-01 Your recently engaged insured plans an elaborate wedding for next summer — 2011. When she brought in the appraisal in order to schedule her engagement ring on her homeowners policy, she asked you about wedding insurance — what can be covered, how much doe https://spcpub.com/stories/your-insured-is-asking-about-several-aspects-of-wedding-insurance-often-covered-in-one-policy-one,5957 The CSR Advisor en 2010-06-01 Your insured is asking about several aspects of wedding insurance, often covered in one policy. One aspect is event insurance — what if the wedding has to be cancelled or postponed through no fault of the bridal party (e.g., a hurricane hits, or the venue https://spcpub.com/stories/event-coverage,5958 The CSR Advisor en 2010-06-01 Event coverage https://spcpub.com/stories/a-comprehensive-wedding-insurance-policy-will-cover-the-expenses-involved-in-canceling-or,5959 The CSR Advisor en 2010-06-01 A comprehensive wedding insurance policy will cover the expenses involved in canceling or postponing a wedding due to events beyond the control of the insureds. (Cold feet is not covered.) If a hurricane prevents the wedding from occurring or prevents mos https://spcpub.com/stories/property-insurance,5960 The CSR Advisor en 2010-06-01 Property insurance https://spcpub.com/stories/various-property-coverages-and-limits-are-available-within-a-wedding-policy-if-photographic,5961 The CSR Advisor en 2010-06-01 Various property coverages and limits are available within a wedding policy. If photographic negatives or video are damaged, some policies will pay to reshoot the photos. If a wedding dress or tuxedo is lost or damaged, some policies will pay to repair or https://spcpub.com/stories/liability-insurance,5962 The CSR Advisor en 2010-06-01 Liability insurance https://spcpub.com/stories/many-wedding-venues-require-that-the-wedding-party-carry-liability-insurance-often-with-limits-of,5963 The CSR Advisor en 2010-06-01 Many wedding venues require that the wedding party carry liability insurance, often with limits of $1 million. This coverage can be purchased as part of a comprehensive wedding policy or separately. Coverage includes injury to guests or staff of the facil https://spcpub.com/stories/caveats,5964 The CSR Advisor en 2010-06-01 Caveats https://spcpub.com/stories/as-mentioned-a-change-of-heart-by-the-bride-or-groom-is-not-covered-a-policy-must-be-purchased-at,5965 The CSR Advisor en 2010-06-01 As mentioned, a change of heart by the bride or groom is not covered. A policy must be purchased at least 14 days before the wedding. Preexisting medical conditions of the bride or groom that might flare up and cause postponement are not covered. Each pol https://spcpub.com/stories/your-insureds-caution-in-thinking-ahead-about-possible-insurance-for-her-wedding-is-prudent-you,5966 The CSR Advisor en 2010-06-01 Your insured’s caution in thinking ahead about possible insurance for her wedding is prudent. You can help her sort out what coverages might be available through her homeowners insurance and umbrella policy and what coverages she would be wise to buy. Wed https://spcpub.com/stories/this-article-was-written-by-jann-browning-clark-cpcu-arm-former-editor-of-the-john-liner-review,5967 The CSR Advisor en 2010-06-01 This article was written by Jann Browning Clark, CPCU, ARM, former editor of The John Liner Review, a product of Standard Publishing Corporation. https://spcpub.com/stories/did-you-know,5968 The CSR Advisor en 2010-06-01 Did you know? https://spcpub.com/stories/an-analysis-of-homeowners-insurance-data-by-the-insurance-information-institute-iii-found-there,5969 The CSR Advisor en 2010-06-01 An analysis of homeowners insurance data by the Insurance Information Institute (III) found there were 185,789 lightning claims in 2009 costing $798 million, with an average claim totaling $4,296. These losses ranged from damage to expensive electronic eq https://spcpub.com/stories/action-point,5881 The CSR Advisor en 2010-06-01 Action point https://spcpub.com/stories/insured-losses-related-to-damage-from-lightning-strikes-topped-more-than-1-billion-in-the-us-for,5970 The CSR Advisor en 2010-06-01 Insured losses related to damage from lightning strikes topped more than $1 billion in the U.S. for the first time in 2008. The number of lightning claims and the dollar amount of those losses fell 25 percent from 2008 to 2009, reflecting fewer storms in https://spcpub.com/stories/monthly-quiz,5971 The CSR Advisor en 2010-06-01 Monthly quiz https://spcpub.com/stories/this-months-quiz-tests-your-knowledge-of-the-businessowners-policy,5972 The CSR Advisor en 2010-06-01 This month’s quiz tests your knowledge of the businessowners policy. https://spcpub.com/stories/1-in-choosing-between-the-businessowners-policy-and-the-commercial-package-policy-all-of-the,5973 The CSR Advisor en 2010-06-01 1. In choosing between the Businessowners Policy and the Commercial Package Policy, all of the following should be considered EXCEPT: https://spcpub.com/stories/a-the-number-of-employees,5974 The CSR Advisor en 2010-06-01 a. The number of employees. https://spcpub.com/stories/b-coverage-flexibility,5975 The CSR Advisor en 2010-06-01 b. Coverage flexibility. https://spcpub.com/stories/c-the-nature-of-the-risk,5976 The CSR Advisor en 2010-06-01 c. The nature of the risk. https://spcpub.com/stories/d-underwriting-restrictions,5977 The CSR Advisor en 2010-06-01 d. Underwriting restrictions. https://spcpub.com/stories/2-under-the-businessowners-policy-the-definition-of-building-includes-all-of-the-following,5978 The CSR Advisor en 2010-06-01 2. Under the Businessowners Policy, the definition of “building” includes all of the following EXCEPT: https://spcpub.com/stories/a-permanently-installed-machinery-and-equipment,5979 The CSR Advisor en 2010-06-01 a. Permanently installed machinery and equipment. https://spcpub.com/stories/b-landlords-personal-property,5980 The CSR Advisor en 2010-06-01 b. Landlord’s personal property. https://spcpub.com/stories/untitled,5883 The CSR Advisor en 2010-06-01 https://spcpub.com/stories/c-tenants-improvements-and-betterments,5981 The CSR Advisor en 2010-06-01 c. Tenant’s improvements and betterments. https://spcpub.com/stories/d-fire-extinguishing-equipment,5982 The CSR Advisor en 2010-06-01 d. Fire extinguishing equipment. https://spcpub.com/stories/3-under-the-liability-section-of-the-businessowners-policy-all-of-the-following-are-listed-as,5983 The CSR Advisor en 2010-06-01 3. Under the liability section of the Businessowners Policy, all of the following are listed as insured contracts EXCEPT: https://spcpub.com/stories/a-a-contract-for-a-lease-of-premises,5984 The CSR Advisor en 2010-06-01 a. A contract for a lease of premises. https://spcpub.com/stories/b-a-contract-for-a-lease-of-equipment,5985 The CSR Advisor en 2010-06-01 b. A contract for a lease of equipment. https://spcpub.com/stories/c-a-sidetrack-agreement,5986 The CSR Advisor en 2010-06-01 c. A sidetrack agreement. https://spcpub.com/stories/d-an-elevator-maintenance-agreement,5987 The CSR Advisor en 2010-06-01 d. An elevator maintenance agreement. https://spcpub.com/stories/answers-1a-2c-3b,5988 The CSR Advisor en 2010-06-01 Answers: 1a, 2c, 3b https://spcpub.com/stories/contractors-what-is-the-cgl-meant-to-cover,5990 The CSR Advisor en 2010-07-01 Contractors: what is the CGL meant to cover? https://spcpub.com/stories/insurance-coverage-for-hiring-a-contractor,5991 The CSR Advisor en 2010-07-01 Insurance coverage for hiring a contractor? https://spcpub.com/stories/untitled,5992 The CSR Advisor en 2010-07-01 https://spcpub.com/stories/iso-2011-homeowners-filing,5993 The CSR Advisor en 2010-07-01 ISO 2011 homeowners filing https://spcpub.com/stories/professional-services-exclusions-cause-confusion,5994 The CSR Advisor en 2010-07-01 Professional services exclusions cause confusion https://spcpub.com/stories/grilling-safety,5995 The CSR Advisor en 2010-07-01 Grilling safety https://spcpub.com/stories/clarification,5996 The CSR Advisor en 2010-07-01 Clarification https://spcpub.com/stories/monthly-quiz,5997 The CSR Advisor en 2010-07-01 Monthly quiz https://spcpub.com/stories/loss-of-rental-income,5999 The CSR Advisor en 2010-08-01 Loss of rental income https://spcpub.com/stories/untitled,6000 The CSR Advisor en 2010-08-01 https://spcpub.com/stories/fema-clarifies-coverage-for-oil,6001 The CSR Advisor en 2010-08-01 FEMA clarifies coverage for oil https://spcpub.com/stories/tech-no-noes,6002 The CSR Advisor en 2010-08-01 Tech no-noes https://spcpub.com/stories/lost-or-stolen-musical-instruments,6003 The CSR Advisor en 2010-08-01 Lost or stolen musical instruments https://spcpub.com/stories/closing-coverage-gaps,6004 The CSR Advisor en 2010-08-01 Closing coverage gaps https://spcpub.com/stories/who-is-insured-vs-person-named-in-declarations,6005 The CSR Advisor en 2010-08-01 “Who is insured” vs. “person named in declarations” https://spcpub.com/stories/home-inventories,6006 The CSR Advisor en 2010-08-01 Home inventories https://spcpub.com/stories/did-you-know,6007 The CSR Advisor en 2010-08-01 Did you know? https://spcpub.com/stories/monthly-quiz,6008 The CSR Advisor en 2010-08-01 Monthly quiz https://spcpub.com/stories/the-ordinance-or-law-endorsements,6010 The CSR Advisor en 2010-09-01 The ordinance or law endorsements https://spcpub.com/stories/untitled,6011 The CSR Advisor en 2010-09-01 https://spcpub.com/stories/home-claims-satisfaction,6012 The CSR Advisor en 2010-09-01 Home claims satisfaction https://spcpub.com/stories/excess-and-surplus-exposures,6013 The CSR Advisor en 2010-09-01 Excess and surplus exposures https://spcpub.com/stories/when-is-an-auto-in-dead-storage,6014 The CSR Advisor en 2010-09-01 When is an auto in dead storage? https://spcpub.com/stories/proposing-insure-the-ring,6015 The CSR Advisor en 2010-09-01 Proposing? Insure the ring! https://spcpub.com/stories/concurrent-cgl-and-eo-coverage-for-spyware-damage,6016 The CSR Advisor en 2010-09-01 Concurrent CGL and E&O coverage for spyware damage https://spcpub.com/stories/monthly-quiz,6017 The CSR Advisor en 2010-09-01 Monthly quiz https://spcpub.com/stories/dog-bite-liability,6019 The CSR Advisor en 2010-10-01 Dog bite liability https://spcpub.com/stories/a-positive-attitude-yields-positive-results,6020 The CSR Advisor en 2010-10-01 A positive attitude yields positive results https://spcpub.com/stories/implications-of-new-federal-insurance-office,6021 The CSR Advisor en 2010-10-01 Implications of new Federal Insurance Office https://spcpub.com/stories/when-does-prior-or-pending-exclusion-apply,6022 The CSR Advisor en 2010-10-01 When does “prior or pending” exclusion apply? https://spcpub.com/stories/homeowner-hazards,6023 The CSR Advisor en 2010-10-01 Homeowner hazards https://spcpub.com/stories/the-dangers-of-lead-paint,6024 The CSR Advisor en 2010-10-01 The dangers of lead paint https://spcpub.com/stories/insuring-in-home-help,6025 The CSR Advisor en 2010-10-01 Insuring in-home help https://spcpub.com/stories/did-you-know,6026 The CSR Advisor en 2010-10-01 Did you know? https://spcpub.com/stories/monthly-quiz,6027 The CSR Advisor en 2010-10-01 Monthly quiz https://spcpub.com/stories/dont-get-sunk-by-sinkholes,6029 The CSR Advisor en 2010-11-01 Don’t get sunk by sinkholes https://spcpub.com/stories/what-is-a-sinkhole,6030 The CSR Advisor en 2010-11-01 What is a sinkhole? https://spcpub.com/stories/a-sinkhole-is-a-subsidence-feature-which-means-it-is-characterized-by-the-downward-movement,6031 The CSR Advisor en 2010-11-01 A sinkhole is a “subsidence” feature, which means it is characterized by the downward movement of surface material — in other words, sinking. The underlying support for the land surface is gradually removed and sags, causing a collapse. Sinkholes can form https://spcpub.com/stories/sinkholes-can-be-found-all-over-the-united-states-but-are-especially-common-in-areas-where,6032 The CSR Advisor en 2010-11-01 Sinkholes can be found all over the United States, but are especially common in areas where carbonate bedrock is present underground (such as Florida and some areas of Pennsylvania). This is due to physical and chemical processes that occur as this type o https://spcpub.com/stories/evidence-of-an-ongoing-subsidence-problem-may-include-the-following,6033 The CSR Advisor en 2010-11-01 Evidence of an ongoing subsidence problem may include the following: https://spcpub.com/stories/-cracks-along-walls-or-floors-especially-in-foundations-or-on-brick-and-mortar-joints,6034 The CSR Advisor en 2010-11-01 • cracks along walls or floors, especially in foundations or on brick and mortar joints; https://spcpub.com/stories/-gaps-where-porches-or-steps-adjoin-the-building,6035 The CSR Advisor en 2010-11-01 • gaps where porches or steps adjoin the building; https://spcpub.com/stories/-doors-and-windows-jamming-or-not-opening-or-closing-properly,6036 The CSR Advisor en 2010-11-01 • doors and windows jamming or not opening or closing properly; https://spcpub.com/stories/-depressions-in-the-land-surface-particularly-in-drainage-areas,6037 The CSR Advisor en 2010-11-01 • depressions in the land surface, particularly in drainage areas; https://spcpub.com/stories/-offset-or-uneven-sidewalks-or-curbs-or,6038 The CSR Advisor en 2010-11-01 • offset or uneven sidewalks or curbs; or https://spcpub.com/stories/-large-open-cracks-in-soil-lawns-sidewalks-parking-lots-and-streets,6039 The CSR Advisor en 2010-11-01 • large open cracks in soil, lawns, sidewalks, parking lots, and streets. https://spcpub.com/stories/finding-coverage,6040 The CSR Advisor en 2010-11-01 Finding coverage https://spcpub.com/stories/standard-homeowners-policies-exclude-earth-movement-in-the-insurance-services-office-iso,6041 The CSR Advisor en 2010-11-01 Standard homeowners policies exclude “earth movement.” In the Insurance Services Office (ISO) homeowners forms, “earth movement” is defined as “earthquake … landslide, mudslide or mudflow … subsidence or sinkhole … any other earth movement including earth https://spcpub.com/stories/sinkhole-collapse-coverage-can-be-added-by-endorsement-using-isos-sinkhole-collapse-endorsement,6042 The CSR Advisor en 2010-11-01 Sinkhole collapse coverage can be added by endorsement using ISO’s Sinkhole Collapse endorsement, HO 04 99. ISO also has specific endorsements for sinkhole collapse pertaining to Florida, Tennessee, and Oregon. HO 04 99 defines “sinkhole collapse” as actu https://spcpub.com/stories/it-is-important-to-note-that-the-sinkhole-collapse-endorsement-does-not-provide-coverage-for-mine,6043 The CSR Advisor en 2010-11-01 It is important to note that the Sinkhole Collapse endorsement does not provide coverage for mine subsidence. HO 04 99 covers sudden settlement or collapse only if it is the result of the very specific process of the “action of water on limestone or simil https://spcpub.com/stories/insurers-in-some-states-are-required-by-law-to-offer-sinkhole-collapse-coverage-to-all-of-their,6044 The CSR Advisor en 2010-11-01 Insurers in some states are required by law to offer sinkhole collapse coverage to all of their homeowners insureds. In Tennessee, all insurers offering homeowners insurance are required to make sinkhole coverage available either as an optional or include https://spcpub.com/stories/florida-also-has-a-statute-that-requires-all-property-insurers-to-make-sinkhole-coverage-available,6045 The CSR Advisor en 2010-11-01 Florida also has a statute that requires all property insurers to make sinkhole coverage available. The Florida statute defines “sinkhole” in much the same way as the ISO endorsement. Florida property insurers are also required to cover “catastrophic grou https://spcpub.com/stories/-the-abrupt-collapse-of-ground-cover,6046 The CSR Advisor en 2010-11-01 • the abrupt collapse of ground cover; https://spcpub.com/stories/-a-depression-in-the-ground-cover-clearly-visible-to-the-naked-eye,6047 The CSR Advisor en 2010-11-01 • a depression in the ground cover clearly visible to the naked eye; https://spcpub.com/stories/-structural-damage-to-the-building-including-the-foundation-and,6048 The CSR Advisor en 2010-11-01 • structural damage to the building, including the foundation; and https://spcpub.com/stories/-the-insured-structure-being-condemned-and-ordered-to-be-vacated-by-the-governmental-agency-with,6049 The CSR Advisor en 2010-11-01 • the insured structure being condemned and ordered to be vacated by the governmental agency with authority to give such order. https://spcpub.com/stories/sinkhole-collapse-is-covered-under-the-iso-basic-broad-and-special-commercial-property-causes-of,6050 The CSR Advisor en 2010-11-01 Sinkhole collapse is covered under the ISO basic, broad, and special commercial property causes of loss forms. It is defined in the same way as in the homeowners endorsement. However, subsidence due to man-made causes would not be covered. Additionally, o https://spcpub.com/stories/with-most-unendorsed-homeowners-policies-there-is-no-coverage-for-sinkhole-collapse-this-means,6052 The CSR Advisor en 2010-11-01 With most unendorsed homeowners policies, there is no coverage for sinkhole collapse. This means your insured’s whole house could be destroyed or structurally compromised and your insured would have to pay for the entire loss out-of-pocket. If you have in https://spcpub.com/stories/industry-insights-,6053 The CSR Advisor en 2010-11-01 Industry insights … https://spcpub.com/stories/floridas-sinkhole-claims-pit,6054 The CSR Advisor en 2010-11-01 Florida’s sinkhole claims pit https://spcpub.com/stories/as-we-mentioned-in-the-accompanying-article-on-sinkholes-florida-insurers-are-required-to-offer,6055 The CSR Advisor en 2010-11-01 As we mentioned in the accompanying article on sinkholes, Florida insurers are required to offer sinkhole coverage to their insureds and to provide catastrophic ground cover collapse coverage to those insureds who do not choose sinkhole coverage. Because https://spcpub.com/stories/public-adjusters-are-clamoring-to-take-up-the-policyholders-cause-when-it-comes-to-sinkholes,6056 The CSR Advisor en 2010-11-01 Public adjusters are clamoring to take up the policyholders’ cause when it comes to sinkholes. They typically earn as much as 20 percent of a claims payout, and regulators are worried that public adjusters may be convincing policyholders to make far more https://spcpub.com/stories/floridas-insurance-industry-is-already-bombarded-by-storm-claims-and-the-state-requires,6057 The CSR Advisor en 2010-11-01 Florida’s insurance industry is already bombarded by storm claims, and the state requires insurers to buy large amounts of reinsurance for such claims. That means there’s less money available for sinkhole and other claims. Some worry that without changes https://spcpub.com/stories/before-these-claims-get-out-of-control-some-insurers-want-tighter-restrictions-some-ideas-include,6058 The CSR Advisor en 2010-11-01 Before these claims get out of control, some insurers want tighter restrictions. Some ideas include specifying the amount of damage required to trigger a sinkhole claim or even restrictions on public adjusters. Florida has 16 public adjusters per 100,000 https://spcpub.com/stories/protecting-personal-information,6059 The CSR Advisor en 2010-11-01 Protecting personal information https://spcpub.com/stories/the-insurance-business-has-always-involved-a-great-deal-of-personal-data-being-divulged-by-insureds,6060 The CSR Advisor en 2010-11-01 The insurance business has always involved a great deal of personal data being divulged by insureds to insurers and their agents, and insurers and agents, in turn, often have a need to divulge some of that information to others. There are laws that contro https://spcpub.com/stories/in-the-internet-age-identity-theft-has-become-a-major-concern-and-people-are-sensitive-to-how,6061 The CSR Advisor en 2010-11-01 In the Internet age, identity theft has become a major concern, and people are sensitive to how their nonpublic information is handled. Mismanaging the personal information of others can have serious consequences, both for the person whose information was https://spcpub.com/stories/correspondence,6062 The CSR Advisor en 2010-11-01 Correspondence https://spcpub.com/stories/sometimes-you-may-need-to-send-an-insureds-information-to-vendors-or-other-outside-companies-for,6063 The CSR Advisor en 2010-11-01 Sometimes you may need to send an insured’s information to vendors or other outside companies for various reasons. Make sure such communications are necessary and in strict accordance with your agency’s policy. Times have changed. What used to be common, https://spcpub.com/stories/you-might-fax-forms-that-include-sensitive-information-like-your-insureds-birth-date-and-social,6064 The CSR Advisor en 2010-11-01 You might fax forms that include sensitive information, like your insured’s birth date and Social Security number. It’s easy enough to dial the wrong fax number, letting this sensitive information end up in the wrong hands. What the unintended recipient d https://spcpub.com/stories/you-should-take-care-to-send-the-fax-to-its-proper-destination-you-may-also-want-to-black-out-or,6065 The CSR Advisor en 2010-11-01 You should take care to send the fax to its proper destination. You may also want to black out or otherwise remove any personal data that are not necessary. If privileged or confidential information is required, you might want to consider mailing a hard c https://spcpub.com/stories/as-for-e-mails-they-can-be-a-relatively-secure-way-of-communicating-because-they-are,6066 The CSR Advisor en 2010-11-01 As for e-mails, they can be a relatively secure way of communicating because they are password-protected, except that people can be careless about their passwords. However, be sure you are addressing your e-mail to the proper recipient (and watch out for https://spcpub.com/stories/sharing-personal-information,6067 The CSR Advisor en 2010-11-01 Sharing personal information https://spcpub.com/stories/you-may-be-required-as-a-normal-part-of-business-to-share-the-personal-information-of-your-insureds,6068 The CSR Advisor en 2010-11-01 You may be required as a normal part of business to share the personal information of your insureds or applicants with other employees and with insurers. There are a number of third parties that you may be required to share personal information with in or https://spcpub.com/stories/some-other-uses-of-personal-information-that-may-be-permitted-include-sharing-with-the-following,6069 The CSR Advisor en 2010-11-01 Some other uses of personal information that may be permitted include sharing with the following: https://spcpub.com/stories/-another-insurance-company-if-the-insured-is-involved-in-an-accident-with-their-insured,6070 The CSR Advisor en 2010-11-01 • another insurance company if the insured is involved in an accident with their insured; https://spcpub.com/stories/-insurance-support-organizations-agents-or-credit-reporting-agencies-in-order-to-detect-and,6071 The CSR Advisor en 2010-11-01 • insurance-support organizations, agents, or credit reporting agencies in order to detect and prevent fraud; https://spcpub.com/stories/-a-group-policyholder-for-the-purpose-of-reporting-claims-experience-or-conducting-an-audit-of,6072 The CSR Advisor en 2010-11-01 • a group policyholder for the purpose of reporting claims experience or conducting an audit of operations or services; https://spcpub.com/stories/-medical-professionals-or-institutions-in-order-to-verify-coverage-or-conduct-operations-or,6073 The CSR Advisor en 2010-11-01 • medical professionals or institutions in order to verify coverage or conduct operations or services audits; https://spcpub.com/stories/-state-insurance-departments-or-other-governmental-or-law-enforcement-authorities-if-required-by,6074 The CSR Advisor en 2010-11-01 • state insurance departments or other governmental or law enforcement authorities if required by law or to protect the legal interests of the agency or in the cases of suspected fraud or illegal activity; or https://spcpub.com/stories/-other-parties-if-ordered-by-subpoena-search-warrant-or-other-court-order,6075 The CSR Advisor en 2010-11-01 • other parties if ordered by subpoena, search warrant, or other court order. https://spcpub.com/stories/generally-access-to-personal-information-should-be-restricted-to-employees-who-need-it-in-order-to,6076 The CSR Advisor en 2010-11-01 Generally, access to personal information should be restricted to employees who need it in order to provide products or services to the insureds. Employees should be trained to safeguard customer information and should be required to sign confidentiality https://spcpub.com/stories/get-rid-of-gossip,6077 The CSR Advisor en 2010-11-01 Get rid of gossip https://spcpub.com/stories/you-wouldnt-want-anyone-discussing-your-personal-business-with-others-so-why-discuss-your,6078 The CSR Advisor en 2010-11-01 You wouldn’t want anyone discussing your personal business with others, so why discuss your insureds’ personal business with anyone else? Office gossip can be dangerous, especially if you’re talking about sensitive information where others can hear you, s https://spcpub.com/stories/just-venting-about-a-problem-you-had-with-a-client-or-relating-a-funny-story-could-cause-you-much,6079 The CSR Advisor en 2010-11-01 Just venting about a problem you had with a client or relating a funny story could cause you much more trouble than it’s worth. Even if you don’t name names, sometimes it’s not too hard to figure out whom someone is talking about. Plus, you never know who https://spcpub.com/stories/before-you-share-someone-elses-information-with-anyone-you-should-be-sure-that-you-are-giving,6080 The CSR Advisor en 2010-11-01 Before you share someone else’s information with anyone, you should be sure that you are giving it to the right person for the right reasons, that your insured has consented to the use, and that you are not violating your agency’s privacy policy. Your goa https://spcpub.com/stories/test-your-knowledge-,6081 The CSR Advisor en 2010-11-01 Test your knowledge … https://spcpub.com/stories/the-sky-is-falling,6082 The CSR Advisor en 2010-11-01 The sky is falling! https://spcpub.com/stories/heres-a-story-right-from-the-headlines-to-test-your-knowledge,6083 The CSR Advisor en 2010-11-01 Here’s a story right from the headlines to test your knowledge: https://spcpub.com/stories/a-50-pound-gas-tank-dumped-in-a-salvage-yard-exploded-and-rocketed-into-the-roof-of-a-nearby-home,6084 The CSR Advisor en 2010-11-01 A 50-pound gas tank dumped in a salvage yard exploded and rocketed into the roof of a nearby home. The cylinder contained compressed natural gas and was dumped illegally by an unknown person. It crashed through solar panels, the roof, and the attic of the https://spcpub.com/stories/your-insured-has-options,6085 The CSR Advisor en 2010-11-01 Your insured has options https://spcpub.com/stories/there-are-a-few-ways-the-homeowner-could-recover-the-expenses-to-repair-the-damage-to-his-home,6086 The CSR Advisor en 2010-11-01 There are a few ways the homeowner could recover the expenses to repair the damage to his home: file a claim through homeowners insurance, sue the salvage company for damages, or consider any offer from the salvage company to settle. All of these options https://spcpub.com/stories/most-standard-homeowners-policies-cover-damage-to-real-property-and-personal-property-from,6087 The CSR Advisor en 2010-11-01 Most standard homeowners policies cover damage to real property and personal property from “falling objects” and from explosion. The falling-objects peril does not include loss to any property inside a building unless the roof or an outside wall of the bu https://spcpub.com/stories/the-homeowners-insurer-would-likely-pay-this-claim-and-then-subrogate-against-the-salvage,6088 The CSR Advisor en 2010-11-01 The homeowner’s insurer would likely pay this claim and then subrogate against the salvage company since the salvage company is legally liable for the damage. The salvage company should have coverage under its commercial general liability policy. https://spcpub.com/stories/if-the-homeowner-does-not-have-his-own-attorney-he-may-want-to-hire-a-public-adjuster-before,6089 The CSR Advisor en 2010-11-01 If the homeowner does not have his own attorney, he may want to hire a public adjuster before submitting the claim to his insurer. The public adjuster will be able to tell the homeowner what his policy covers and how a settlement would be apportioned. https://spcpub.com/stories/the-homeowner-also-has-the-option-of-suing-the-salvage-company-for-damages-that-could-be-greater,6090 The CSR Advisor en 2010-11-01 The homeowner also has the option of suing the salvage company for damages that could be greater than what it would cost to repair the damage to the home. Some of these damages could include mental anguish and emotional distress (though this may be diffic https://spcpub.com/stories/settling,6091 The CSR Advisor en 2010-11-01 Settling https://spcpub.com/stories/because-this-particular-case-got-media-attention-and-because-of-the-seriousness-of-the-event-the,6092 The CSR Advisor en 2010-11-01 Because this particular case got media attention and because of the seriousness of the event, the salvage company and its insurer may want to step in immediately to try to settle. The homeowner’s insurer should be involved in this process. All three (the https://spcpub.com/stories/there-is-also-a-finite-timeline-for-the-insurer-to-respond-to-the-homeowners-first-written,6093 The CSR Advisor en 2010-11-01 There is also a finite timeline for the insurer to respond to the homeowner’s first written demand. In Massachusetts, where this accident happened, if an insurer takes longer than 30 days “once liability is clear,” it could be exposed to treble (triple) d https://spcpub.com/stories/things-can-get-complicated-when-there-is-a-third-party-liable-for-damage-it-is-important-that-your,6094 The CSR Advisor en 2010-11-01 Things can get complicated when there is a third party liable for damage. It is important that your insured and the insurer work together to resolve the claim in an efficient manner, ensure that the damages are paid appropriately, and coordinate any actio https://spcpub.com/stories/two-minute-memo-,6095 The CSR Advisor en 2010-11-01 Two-minute memo … https://spcpub.com/stories/deer-vehicle-collisions,6096 The CSR Advisor en 2010-11-01 Deer-vehicle collisions https://spcpub.com/stories/its-the-time-of-year-to-be-on-the-lookout-for-deer-on-the-roads-october-november-and-december,6097 The CSR Advisor en 2010-11-01 It’s the time of year to be on the lookout for deer on the roads. October, November, and December mark the deer migration and mating season and they are the most likely months for deer-vehicle collisions. The average property damage cost of a deer-vehicle https://spcpub.com/stories/damage-to-a-vehicle-due-to-collision-with-an-animal-is-covered-under-other-than-collision-coverage,6098 The CSR Advisor en 2010-11-01 Damage to a vehicle due to collision with an animal is covered under other-than-collision coverage in the Personal Auto Policy. But the damage can go far beyond a dented fender or cracked windshield: Deer-vehicle collisions are the cause of 200 deaths in https://spcpub.com/stories/we-all-know-that-prevention-is-the-best-medicine-so-here-are-a-few-tips-you-can-share-with-your,6099 The CSR Advisor en 2010-11-01 We all know that prevention is the best medicine, so here are a few tips you can share with your insureds on how to avoid these dangerous collisions. https://spcpub.com/stories/-deer-are-most-active-between-the-hours-of-6-and-9-pm-so-be-especially-vigilant-during-this,6100 The CSR Advisor en 2010-11-01 • Deer are most active between the hours of 6 and 9 p.m., so be especially vigilant during this time. https://spcpub.com/stories/-be-aware-and-alert-when-driving-near-posted-deer-crossings-as-these-are-known-places-where,6101 The CSR Advisor en 2010-11-01 • Be aware and alert when driving near posted deer-crossings, as these are known places where deer cross over streets. Deer are also likely to cross where a road divides agricultural fields from forest land. https://spcpub.com/stories/-deer-travel-in-herds-so-where-there-is-one-there-are-usually-more,6102 The CSR Advisor en 2010-11-01 • Deer travel in herds, so where there is one, there are usually more. https://spcpub.com/stories/-when-driving-after-sundown-turn-on-your-headlights-and-use-your-high-beams-when-possible-this,6103 The CSR Advisor en 2010-11-01 • When driving after sundown, turn on your headlights and use your high-beams when possible. This will illuminate more of the road and will reflect off the eyes of deer on or near the roadway, making them easier to spot. https://spcpub.com/stories/-slow-down-and-use-your-horn-to-try-to-frighten-the-deer-away,6104 The CSR Advisor en 2010-11-01 • Slow down and use your horn to try to frighten the deer away. https://spcpub.com/stories/-never-attempt-to-swerve-into-another-lane-to-avoid-hitting-a-deer-instead-firmly-hit-the,6105 The CSR Advisor en 2010-11-01 • Never attempt to swerve into another lane to avoid hitting a deer. Instead, firmly hit the brakes. Many accidents involve drivers hitting another vehicle or losing control of their cars because they swerved instead of stopping. https://spcpub.com/stories/-devices-commonly-in-place-to-reduce-deer-crossing-on-roadways-have-not-shown-a-noticeable,6106 The CSR Advisor en 2010-11-01 • Devices commonly in place to reduce deer crossing on roadways have not shown a noticeable effect on the amount of deer-vehicle collisions. Do not rely on deer whistles, deer fences, or reflectors. https://spcpub.com/stories/if-people-do-hit-a-deer-they-should-not-touch-the-animal-as-it-can-become-frightened-and-cause,6107 The CSR Advisor en 2010-11-01 If people do hit a deer, they should not touch the animal, as it can become frightened and cause more damage to the person, the vehicle, or itself. Instead, they should call the police and get their car off the road. Any damage should be reported to the i https://spcpub.com/stories/a-look-at-the-law-,6108 The CSR Advisor en 2010-11-01 A look at the law ... https://spcpub.com/stories/agents-duty-to-obtain-coverage-if-available,6109 The CSR Advisor en 2010-11-01 Agent’s duty to obtain coverage if available https://spcpub.com/stories/our-case-this-month-discusses-whether-or-not-a-general-request-for-insurance-triggers-a-duty-for-an,6110 The CSR Advisor en 2010-11-01 Our case this month discusses whether or not a general request for insurance triggers a duty for an agent to recommend coverage for every possible scenario. In Herdendorf v. Geico Ins. Co., No. 09-02290 (N.Y. App. Div. Oct. 8, 2010), the Supreme Court of https://spcpub.com/stories/christina-herdendorf-filed-suit-against-geico-seeking-supplementary-underinsured-motorist-sum,6111 The CSR Advisor en 2010-11-01 Christina Herdendorf filed suit against Geico seeking supplementary underinsured motorist (SUM) coverage under an automobile insurance policy and an umbrella insurance policy issued to her parents. Geico moved for summary judgment on the grounds that Geic https://spcpub.com/stories/initially-the-court-agreed-that-the-umbrella-policy-at-issue-was-not-ambiguous-and-did-not-provide,6112 The CSR Advisor en 2010-11-01 Initially, the court agreed that the umbrella policy at issue was not ambiguous and did not provide SUM coverage. The policy stated that it would pay damages on behalf of an insured arising out of an occurrence, and damages were defined as the total of “d https://spcpub.com/stories/nevertheless-the-suit-was-not-ripe-for-summary-judgment-against-herdendorf-she-alleged-that-the,6113 The CSR Advisor en 2010-11-01 Nevertheless, the suit was not ripe for summary judgment against Herdendorf. She alleged that the failure of Geico to provide SUM coverage was due to the “errors and omission” of its agent, Jesse Jansky, in failing to obtain the SUM coverage or to notify https://spcpub.com/stories/in-its-defense-geico-presented-the-court-with-evidence-establishing-that-geico-does-not-provide,6114 The CSR Advisor en 2010-11-01 In its defense, Geico presented the court with evidence establishing that Geico does not provide SUM coverage in umbrella policies issued in New York. Additionally, Jansky testified that although he could not remember a specific conversation with the poli https://spcpub.com/stories/the-court-held-that-although-geico-established-that-it-did-not-provide-sum-coverage-in-new-york-it,6115 The CSR Advisor en 2010-11-01 The court held that although Geico established that it did not provide SUM coverage in New York, it failed to establish on the record that other insurers did not provide such coverage. The implication is that if Geico had been able to prove that no other https://spcpub.com/stories/additionally-geico-argued-that-policyholders-are-conclusively-presumed-to-know-the-contents-of,6116 The CSR Advisor en 2010-11-01 Additionally, Geico argued that policyholders are conclusively presumed to know the contents of their insurance policies. However, the court could not address that argument because it was raised for the first time on appeal. https://spcpub.com/stories/this-case-appears-to-establish-that-in-order-to-prove-a-lack-of-liability-for-errors-or-omissions,6117 The CSR Advisor en 2010-11-01 This case appears to establish that in order to prove a lack of liability for errors or omissions in procuring insurance, it is not enough for agents to demonstrate that the particular coverage was not available in that state from the insurer writing the https://spcpub.com/stories/this-column-is-written-by-katherine-e-allnutt-esq-editor-of-the-john-liner-review-a-product-of,6118 The CSR Advisor en 2010-11-01 This column is written by Katherine E. Allnutt, Esq., editor of The John Liner Review, a product of Standard Publishing Corporation. https://spcpub.com/stories/better-business-grammar-,6119 The CSR Advisor en 2010-11-01 Better business grammar … https://spcpub.com/stories/pass-on-passive,6120 The CSR Advisor en 2010-11-01 Pass on passive https://spcpub.com/stories/we-can-do-many-things-to-improve-our-business-writing-but-there-is-one-trick-in-particular-that,6121 The CSR Advisor en 2010-11-01 We can do many things to improve our business writing, but there is one trick in particular that will enhance your business-related writing immediately. Avoid the passive voice! If you’ve ever received a form letter from a business, it probably contained https://spcpub.com/stories/what-is-passive-voice,6122 The CSR Advisor en 2010-11-01 What is passive voice? https://spcpub.com/stories/a-passive-construction-is-one-that-takes-the-object-being-acted-upon-and-makes-it-the-subject-of,6123 The CSR Advisor en 2010-11-01 A passive construction is one that takes the object being acted upon and makes it the subject of the sentence. That sounds confusing, but a simple example will illustrate the point: https://spcpub.com/stories/the-lazy-dog-was-jumped-over-by-the-quick-brown-fox,6124 The CSR Advisor en 2010-11-01 The lazy dog was jumped over by the quick brown fox. https://spcpub.com/stories/now-that-sentence-sounds-quite-ridiculous-when-we-see-the-lazy-dog-at-the-beginning-of-the,6125 The CSR Advisor en 2010-11-01 Now, that sentence sounds quite ridiculous. When we see “the lazy dog” at the beginning of the sentence, we expect that the dog is the subject, or “doer,” of the sentence. In this sentence, the “quick brown fox” is the “doer,” and the dog is just an objec https://spcpub.com/stories/notice-the-construction-of-the-verb-was-jumped-it-is-a-classic-passive-construction-form-of,6126 The CSR Advisor en 2010-11-01 Notice the construction of the verb “was jumped.” It is a classic passive construction: form of “to be” (was) + past participle (jumped). (But note, just because you use a form of “to be” does not mean you are necessarily using a passive construction.) https://spcpub.com/stories/why-should-it-be-avoided,6127 The CSR Advisor en 2010-11-01 Why should it be avoided? https://spcpub.com/stories/passive-voice-often-avoids-assigning-responsibility-to-actions-for-example-lets-look-at-the,6128 The CSR Advisor en 2010-11-01 Passive voice often avoids assigning responsibility to actions. For example, let’s look at the following sentence: https://spcpub.com/stories/a-review-of-your-account-has-shown-it-to-be-in-arrears,6129 The CSR Advisor en 2010-11-01 A review of your account has shown it to be in arrears. https://spcpub.com/stories/this-sentence-doesnt-tell-us-who-conducted-the-review-only-that-the-review-happened-a-better,6130 The CSR Advisor en 2010-11-01 This sentence doesn’t tell us who conducted the review, only that the review happened. A better way to phrase this is by putting the missing information up front: We reviewed your account recently and discovered it is in arrears. https://spcpub.com/stories/some-people-may-think-its-unprofessional-to-use-i-or-we-in-a-business-communication,6131 The CSR Advisor en 2010-11-01 Some people may think it’s unprofessional to use “I” or “we” in a business communication. This is not true! It is perfectly acceptable to use “I” when referring to yourself and “you” when referring to your reader. Having said that, we should point out tha https://spcpub.com/stories/passive-voice-can-be-imprecise-another-reason-to-omit-it-from-our-business-writing-our,6132 The CSR Advisor en 2010-11-01 Passive voice can be imprecise — another reason to omit it from our business writing. Our business communications should always be clear and concise, and we should do our best to avoid being misinterpreted. Take a look at this sentence: https://spcpub.com/stories/action-point,6051 The CSR Advisor en 2010-11-01 Action point https://spcpub.com/stories/every-possible-solution-to-this-problem-was-considered-before-we-took-action,6133 The CSR Advisor en 2010-11-01 Every possible solution to this problem was considered before we took action. https://spcpub.com/stories/who-considered-every-possible-solution-go-on-give-credit-where-credit-is-due-write-it-this-way,6134 The CSR Advisor en 2010-11-01 Who considered every possible solution? Go on, give credit where credit is due. Write it this way: Our customer service team considered every possible solution to this problem before we took action. https://spcpub.com/stories/passive-voice-cannot-always-be-avoided-and-sometimes-it-is-desirable-there-is-nothing,6135 The CSR Advisor en 2010-11-01 Passive voice cannot always be avoided, and sometimes it is desirable. There is nothing grammatically wrong with it, but when you can use an active construction, it’s usually better to do so. Customer service is all about personalization, so don’t leave y https://spcpub.com/stories/did-you-know,6136 The CSR Advisor en 2010-11-01 Did you know? https://spcpub.com/stories/a-super-typhoon-hit-the-philippines-in-october-but-do-you-know-what-the-difference-between-a-super,6137 The CSR Advisor en 2010-11-01 A super typhoon hit the Philippines in October, but do you know what the difference between a super typhoon and a regular typhoon is? Or the difference between a typhoon, a cyclone, and a hurricane? https://spcpub.com/stories/to-answer-the-first-question-a-super-typhoon-is-a-strong-typhoon-equivalent-to-a-category-4-or-5,6138 The CSR Advisor en 2010-11-01 To answer the first question, a super typhoon is a strong typhoon equivalent to a Category 4 or 5 hurricane and can produce high storm surges and torrential rains in addition to maximum sustained winds of 150 miles per hour or more. https://spcpub.com/stories/so-whats-the-difference-between-the-three-types-of-storms-essentially-there-is-no-difference,6139 The CSR Advisor en 2010-11-01 So what’s the difference between the three types of storms? Essentially, there is no difference. They all form over large bodies of warm water and pose the biggest threats to coastal areas, as they lose intensity once over land. Each type also has an eye https://spcpub.com/stories/typhoons-develop-in-the-pacific-ocean-north-of-the-equator-most-commonly-in-the-northwest-pacific,6140 The CSR Advisor en 2010-11-01 Typhoons develop in the Pacific Ocean north of the equator, most commonly in the northwest Pacific region. They are most common to East Asian countries and affect U.S. territories in the area also, such as Hawaii and Guam. Typhoons form all year long, bu https://spcpub.com/stories/the-strongest-super-typhoon-on-record-was-super-typhoon-tip-in-1979-its-diameter-spanned-almost,6141 The CSR Advisor en 2010-11-01 The strongest super typhoon on record was Super Typhoon Tip in 1979. Its diameter spanned almost 1,400 miles, and it had winds reaching up to 190 miles per hour. It affected Guam and Japan and caused 86 deaths. https://spcpub.com/stories/monthly-quiz,6142 The CSR Advisor en 2010-11-01 Monthly quiz https://spcpub.com/stories/1-which-of-the-following-is-not-another-name-for-professional-liability,6144 The CSR Advisor en 2010-11-01 1. Which of the following is NOT another name for Professional Liability? https://spcpub.com/stories/a-malpractice-insurance,6145 The CSR Advisor en 2010-11-01 a. Malpractice Insurance. https://spcpub.com/stories/b-errors-and-omissions-insurance,6146 The CSR Advisor en 2010-11-01 b. Errors and Omissions Insurance. https://spcpub.com/stories/c-owners-and-contractors-protective-insurance,6147 The CSR Advisor en 2010-11-01 c. Owners and Contractors Protective Insurance. https://spcpub.com/stories/d-fiduciary-liability-insurance,6148 The CSR Advisor en 2010-11-01 d. Fiduciary Liability Insurance. https://spcpub.com/stories/2-the-majority-of-professional-liability-insurance-policies-are-written-on,6149 The CSR Advisor en 2010-11-01 2. The majority of Professional Liability Insurance Policies are written on: https://spcpub.com/stories/a-a-claims-made-form,6150 The CSR Advisor en 2010-11-01 a. A Claims-Made Form. https://spcpub.com/stories/b-an-occurrence-form,6151 The CSR Advisor en 2010-11-01 b. An Occurrence Form. https://spcpub.com/stories/c-an-extended-reporting-form,6152 The CSR Advisor en 2010-11-01 c. An Extended Reporting Form. https://spcpub.com/stories/d-a-supplementary-payments-form,6153 The CSR Advisor en 2010-11-01 d. A Supplementary Payments Form. https://spcpub.com/stories/this-months-quiz-tests-your-knowledge-of-professional-liability-insurance,6143 The CSR Advisor en 2010-11-01 This month’s quiz tests your knowledge of professional liability insurance. https://spcpub.com/stories/3-unlike-other-liability-coverages-professional-liability-insurance-is-not-restricted-to,6154 The CSR Advisor en 2010-11-01 3. Unlike other liability coverages, Professional Liability Insurance is NOT restricted to liability for injury caused by an: https://spcpub.com/stories/a-occurrence,6155 The CSR Advisor en 2010-11-01 a. Occurrence. https://spcpub.com/stories/b-accident,6156 The CSR Advisor en 2010-11-01 b. Accident. https://spcpub.com/stories/c-injury,6157 The CSR Advisor en 2010-11-01 c. Injury. https://spcpub.com/stories/d-all-of-the-above,6158 The CSR Advisor en 2010-11-01 d. All of the above. https://spcpub.com/stories/answers-1c-2a-3d,6159 The CSR Advisor en 2010-11-01 Answers: 1c, 2a, 3d https://spcpub.com/stories/the-dreaded-m-word,6161 The CSR Advisor en 2010-12-01 The dreaded “M” word https://spcpub.com/stories/theres-no-time,6162 The CSR Advisor en 2010-12-01 “There’s no time!” https://spcpub.com/stories/occupying-a-home-under-construction,6163 The CSR Advisor en 2010-12-01 Occupying a home under construction https://spcpub.com/stories/one-step-to-avoid-eo-claims,6164 The CSR Advisor en 2010-12-01 One step to avoid E&O claims https://spcpub.com/stories/winter-weather-is-coming,6165 The CSR Advisor en 2010-12-01 Winter weather is coming https://spcpub.com/stories/captive-insurance-agent-may-be-personally-liable-for-negligence,6166 The CSR Advisor en 2010-12-01 Captive insurance agent may be personally liable for negligence https://spcpub.com/stories/did-you-know,6167 The CSR Advisor en 2010-12-01 Did you know? https://spcpub.com/stories/monthly-quiz,6168 The CSR Advisor en 2010-12-01 Monthly quiz https://spcpub.com/stories/restoring-coverage-for-mold,6170 The CSR Advisor en 2011-01-01 Restoring coverage for mold https://spcpub.com/stories/bumper-bash-ups,6171 The CSR Advisor en 2011-01-01 Bumper bash-ups https://spcpub.com/stories/avoiding-job-burnout,6172 The CSR Advisor en 2011-01-01 Avoiding job burnout https://spcpub.com/stories/is-a-nonresident-spouse-an-insured,6173 The CSR Advisor en 2011-01-01 Is a nonresident spouse an insured? https://spcpub.com/stories/the-year-in-hurricanes,6174 The CSR Advisor en 2011-01-01 The year in hurricanes https://spcpub.com/stories/insurance-broker-liable-to-insurer-for-misrepresentations,6175 The CSR Advisor en 2011-01-01 Insurance broker liable to insurer for misrepresentations https://spcpub.com/stories/home-heating-safety,6176 The CSR Advisor en 2011-01-01 Home heating safety https://spcpub.com/stories/monthly-quiz,6177 The CSR Advisor en 2011-01-01 Monthly quiz https://spcpub.com/stories/uninsured-motorist-coverage,6179 The CSR Advisor en 2011-02-01 Uninsured motorist coverage https://spcpub.com/stories/green-upgrades-coverage-in-eb-forms,6180 The CSR Advisor en 2011-02-01 Green upgrades coverage in EB forms https://spcpub.com/stories/dinner-party-disaster,6181 The CSR Advisor en 2011-02-01 Dinner party disaster https://spcpub.com/stories/when-customers-attack,6182 The CSR Advisor en 2011-02-01 When customers attack https://spcpub.com/stories/safe-driving,6183 The CSR Advisor en 2011-02-01 Safe driving https://spcpub.com/stories/brokers-duty-of-care-does-not-extend-to-the-insureds-contractors,6184 The CSR Advisor en 2011-02-01 Broker’s duty of care does not extend to the insured’s contractors https://spcpub.com/stories/monthly-quiz,6185 The CSR Advisor en 2011-02-01 Monthly quiz https://spcpub.com/stories/contractual-liability-exclusion,6187 The CSR Advisor en 2011-03-01 Contractual liability exclusion https://spcpub.com/stories/ice-dams,6188 The CSR Advisor en 2011-03-01 Ice dams https://spcpub.com/stories/snowmelt-flooding,6189 The CSR Advisor en 2011-03-01 Snowmelt flooding https://spcpub.com/stories/organizational-strategies,6190 The CSR Advisor en 2011-03-01 Organizational strategies https://spcpub.com/stories/property-in-storage,6191 The CSR Advisor en 2011-03-01 Property in storage https://spcpub.com/stories/being-an-agent-is-not-equivalent-to-having-binding-authority,6192 The CSR Advisor en 2011-03-01 Being an agent is not equivalent to having binding authority https://spcpub.com/stories/the-csr-advisor-forum,6193 The CSR Advisor en 2011-03-01 The CSR Advisor forum https://spcpub.com/stories/did-you-know,6194 The CSR Advisor en 2011-03-01 Did you know? https://spcpub.com/stories/monthly-quiz,6195 The CSR Advisor en 2011-03-01 Monthly quiz https://spcpub.com/stories/businessowners-policies,6197 The CSR Advisor en 2011-05-01 Businessowners policies https://spcpub.com/stories/flood-insurance-and-reform-act-of-2011,6198 The CSR Advisor en 2011-05-01 Flood insurance and reform act of 2011 https://spcpub.com/stories/no-eo-coverage-for-voluntary-claims-payment-or-for-dealing-with-insolvent-unauthorized-insurer,6199 The CSR Advisor en 2011-05-01 No E&O coverage for voluntary claims payment or for dealing with insolvent, unauthorized insurer https://spcpub.com/stories/meeting-customer-expectations,6200 The CSR Advisor en 2011-05-01 Meeting customer expectations https://spcpub.com/stories/which-policy-provides-coverage,6201 The CSR Advisor en 2011-05-01 Which policy provides coverage? https://spcpub.com/stories/putting-your-boat-back-in-the-water,6202 The CSR Advisor en 2011-05-01 Putting your boat back in the water https://spcpub.com/stories/monthly-quiz,6203 The CSR Advisor en 2011-05-01 Monthly quiz https://spcpub.com/stories/are-blanket-limits-the-best-choice,6205 The CSR Advisor en 2011-06-01 Are blanket limits the best choice? https://spcpub.com/stories/avoiding-the-perils-of-sedentary-work,6206 The CSR Advisor en 2011-06-01 Avoiding the perils of sedentary work https://spcpub.com/stories/pool-safety,6207 The CSR Advisor en 2011-06-01 Pool safety https://spcpub.com/stories/reinsurance-explained,6208 The CSR Advisor en 2011-06-01 Reinsurance explained https://spcpub.com/stories/when-is-a-fire-not-a-fire,6209 The CSR Advisor en 2011-06-01 When is a fire not a fire? https://spcpub.com/stories/csr-acted-without-authority,6210 The CSR Advisor en 2011-06-01 CSR acted without authority https://spcpub.com/stories/monthly-quiz,6211 The CSR Advisor en 2011-06-01 Monthly quiz https://spcpub.com/stories/home-based-farming-operations,6213 The CSR Advisor en 2011-07-01 Home-based farming operations https://spcpub.com/stories/what-is-a-100-year-flood,6214 The CSR Advisor en 2011-07-01 What is a 100-year flood? https://spcpub.com/stories/fire-legal-liability,6215 The CSR Advisor en 2011-07-01 Fire legal liability https://spcpub.com/stories/chinese-drywall-settlement-reached,6216 The CSR Advisor en 2011-07-01 Chinese drywall settlement reached https://spcpub.com/stories/csrs-arent-obsolete-in-the-internet-age,6217 The CSR Advisor en 2011-07-01 CSRs aren’t obsolete in the Internet Age https://spcpub.com/stories/statute-of-limitations-for-eo-claims,6218 The CSR Advisor en 2011-07-01 Statute of limitations for E&O claims https://spcpub.com/stories/monthly-quiz,6219 The CSR Advisor en 2011-07-01 Monthly quiz https://spcpub.com/stories/personal-umbrella-policies,6221 The CSR Advisor en 2011-08-01 Personal umbrella policies https://spcpub.com/stories/constructive-criticism,6222 The CSR Advisor en 2011-08-01 Constructive criticism https://spcpub.com/stories/are-puppies-a-business,6223 The CSR Advisor en 2011-08-01 Are puppies a business? https://spcpub.com/stories/dodging-a-bolt-from-the-blue,6224 The CSR Advisor en 2011-08-01 Dodging a bolt from the blue https://spcpub.com/stories/no-retroactive-coverage-where-late-premium-payment,6225 The CSR Advisor en 2011-08-01 No retroactive coverage where late premium payment https://spcpub.com/stories/hurricane-update,6226 The CSR Advisor en 2011-08-01 Hurricane update https://spcpub.com/stories/monthly-quiz,6227 The CSR Advisor en 2011-08-01 Monthly quiz https://spcpub.com/stories/riot-civil-commotion-or-something-else,6229 The CSR Advisor en 2011-09-01 Riot, civil commotion, or something else? https://spcpub.com/stories/insuring-a-co-owned-two-family-home,6230 The CSR Advisor en 2011-09-01 Insuring a co-owned two-family home https://spcpub.com/stories/tipping-point-on-our-way-to-a-hard-market,6231 The CSR Advisor en 2011-09-01 Tipping point — on our way to a hard market? https://spcpub.com/stories/no-coverage-for-golf-cart-accident-in-gated-community,6232 The CSR Advisor en 2011-09-01 No coverage for golf cart accident in gated community https://spcpub.com/stories/be-prepared-during-hurricanes,6233 The CSR Advisor en 2011-09-01 Be prepared during hurricanes https://spcpub.com/stories/did-you-know,6234 The CSR Advisor en 2011-09-01 Did you know? https://spcpub.com/stories/monthly-quiz,6235 The CSR Advisor en 2011-09-01 Monthly quiz https://spcpub.com/stories/insurance-and-winter-auto-storage,6237 The CSR Advisor en 2011-10-01 Insurance and winter auto storage https://spcpub.com/stories/marketing-rental-insurance,6238 The CSR Advisor en 2011-10-01 Marketing rental insurance https://spcpub.com/stories/severability-of-insurance,6239 The CSR Advisor en 2011-10-01 Severability of insurance https://spcpub.com/stories/ambiguous-exclusions-are-interpreted-in-favor-of-insureds,6240 The CSR Advisor en 2011-10-01 Ambiguous exclusions are interpreted in favor of insureds https://spcpub.com/stories/cpr-in-the-workplace,6241 The CSR Advisor en 2011-10-01 CPR in the workplace https://spcpub.com/stories/letter-from-the-editor,6242 The CSR Advisor en 2011-10-01 Letter From the Editor https://spcpub.com/stories/the-climes-are-a-changin,6243 The CSR Advisor en 2011-10-01 The climes are a-changin’ https://spcpub.com/stories/monthly-quiz,6244 The CSR Advisor en 2011-10-01 Monthly quiz https://spcpub.com/stories/vacant-properties,6246 The CSR Advisor en 2011-11-01 Vacant properties https://spcpub.com/stories/what-does-acv-mean,6247 The CSR Advisor en 2011-11-01 What does ACV mean? https://spcpub.com/stories/explaining-coinsurance,6248 The CSR Advisor en 2011-11-01 Explaining coinsurance https://spcpub.com/stories/auto-insurance-rates-are-on-the-rise,6249 The CSR Advisor en 2011-11-01 Auto insurance rates are on the rise https://spcpub.com/stories/no-coverage-for-jewelry-not-in-insureds-custody,6250 The CSR Advisor en 2011-11-01 No coverage for jewelry not in insured’s custody https://spcpub.com/stories/professionalism-and-facebook-at-work,6251 The CSR Advisor en 2011-11-01 Professionalism and Facebook at work https://spcpub.com/stories/monthly-quiz,6252 The CSR Advisor en 2011-11-01 Monthly quiz https://spcpub.com/stories/pitfalls-of-commercial-umbrella-policies,6254 The CSR Advisor en 2011-12-01 Pitfalls of commercial umbrella policies https://spcpub.com/stories/untitled,6255 The CSR Advisor en 2011-12-01 https://spcpub.com/stories/problems-with-following-form-policies,6256 The CSR Advisor en 2011-12-01 Problems with following-form policies https://spcpub.com/stories/umbrellas-often-have-two-insuring-agreements-one-provides-following-form-coverage-a-second-one,6257 The CSR Advisor en 2011-12-01 Umbrellas often have two insuring agreements. One provides following-form coverage. A second one provides coverage for exposures not covered by the underlying policies. Coverage under this second insuring agreement drops down to cover claims on a primary https://spcpub.com/stories/although-the-idea-behind-following-form-umbrella-policies-is-that-any-coverage-in-the-underlying,6258 The CSR Advisor en 2011-12-01 Although the idea behind following-form umbrella policies is that any coverage in the underlying policy will be covered by the umbrella, problems can still arise. https://spcpub.com/stories/some-following-form-policies-state-that-the-umbrella-will-apply-only-to-the-policies-listed-on-the,6259 The CSR Advisor en 2011-12-01 Some following-form policies state that the umbrella will apply only to the policies listed on the declarations page. Therefore, if errors have been made regarding, for example, the name of the insurer, the limits, or the policy number, a coverage dispute https://spcpub.com/stories/if-the-insured-has-a-contract-that-requires-that-the-umbrella-be-as-broad-as-primary,6260 The CSR Advisor en 2011-12-01 If the insured has a contract that requires that the umbrella be as “broad as primary,” following-form umbrella coverage may not be sufficient. Using a form-follow policy can actually limit coverage for additional insureds. https://spcpub.com/stories/untitled,6261 The CSR Advisor en 2011-12-01 https://spcpub.com/stories/the-following-form-policy-typically-contains-the-language-anything-inconsistent-with-a,6262 The CSR Advisor en 2011-12-01 The following-form policy typically contains the language, “… anything inconsistent with a provision of this policy,” the umbrella language controls. This means that if the underlying liability policy has a different definition of a particular coverage, t https://spcpub.com/stories/managing-conflict-in-the-workplace,6263 The CSR Advisor en 2011-12-01 Managing conflict in the workplace https://spcpub.com/stories/duty-to-cooperate,6264 The CSR Advisor en 2011-12-01 Duty to cooperate https://spcpub.com/stories/business-exposures-in-a-tough-economy,6265 The CSR Advisor en 2011-12-01 Business exposures in a tough economy https://spcpub.com/stories/liquor-liability,6266 The CSR Advisor en 2011-12-01 Liquor liability? https://spcpub.com/stories/monthly-quiz,6267 The CSR Advisor en 2011-12-01 Monthly quiz https://spcpub.com/stories/electronic-data-and-cyber-insurance,6269 The CSR Advisor en 2012-01-01 Electronic data and cyber insurance https://spcpub.com/stories/plan-for-a-hardening-propertycasualty-market,6270 The CSR Advisor en 2012-01-01 Plan for a hardening property/casualty market https://spcpub.com/stories/no-auto-coverage-for-transmission-of-communicable-disease,6271 The CSR Advisor en 2012-01-01 No auto coverage for transmission of communicable disease https://spcpub.com/stories/new-years-resolutions-for-the-busy-professional,6272 The CSR Advisor en 2012-01-01 New Year’s resolutions for the busy professional https://spcpub.com/stories/emergency-services-and-rapid-response,6273 The CSR Advisor en 2012-01-01 Emergency services and rapid response https://spcpub.com/stories/reducing-workers-compensation-costs,6274 The CSR Advisor en 2012-01-01 Reducing workers compensation costs https://spcpub.com/stories/monthly-quiz,6275 The CSR Advisor en 2012-01-01 Monthly quiz https://spcpub.com/stories/workers-compensation-coverage-for-domestic-help,6277 The CSR Advisor en 2012-02-01 Workers compensation coverage for domestic help https://spcpub.com/stories/watch-what-you-write,6278 The CSR Advisor en 2012-02-01 Watch what you write https://spcpub.com/stories/usage-based-auto-insurance,6279 The CSR Advisor en 2012-02-01 Usage-based auto insurance https://spcpub.com/stories/travel-insurance-hazards,6280 The CSR Advisor en 2012-02-01 Travel insurance hazards  https://spcpub.com/stories/no-coverage-for-rental-property,6281 The CSR Advisor en 2012-02-01 No coverage for rental property https://spcpub.com/stories/fireplaces-and-fires,6282 The CSR Advisor en 2012-02-01 Fireplaces and fires https://spcpub.com/stories/monthly-quiz,6283 The CSR Advisor en 2012-02-01 Monthly quiz https://spcpub.com/stories/spring-rains-summer-legislation-and-flood-insurance,6285 The CSR Advisor en 2012-03-01 Spring rains, summer legislation, and flood insurance https://spcpub.com/stories/politics-in-the-workplace,6286 The CSR Advisor en 2012-03-01 Politics in the workplace https://spcpub.com/stories/family-business-do-exposures,6287 The CSR Advisor en 2012-03-01 Family business D&O exposures https://spcpub.com/stories/replacement-cost-debate-in-california,6288 The CSR Advisor en 2012-03-01 Replacement cost debate in California https://spcpub.com/stories/solar-storms,6289 The CSR Advisor en 2012-03-01 Solar storms https://spcpub.com/stories/insurer-not-liable-for-injury-outside-of-the-policy-period,6290 The CSR Advisor en 2012-03-01 Insurer not liable for injury outside of the policy period https://spcpub.com/stories/monthly-quiz,6291 The CSR Advisor en 2012-03-01 Monthly quiz https://spcpub.com/stories/commercial-crime-insurance,6293 The CSR Advisor en 2012-04-01 Commercial crime insurance https://spcpub.com/stories/social-media-analytics,6294 The CSR Advisor en 2012-04-01 Social media analytics https://spcpub.com/stories/saving-for-retirement,6295 The CSR Advisor en 2012-04-01 Saving for retirement https://spcpub.com/stories/insurance-for-your-pet,6296 The CSR Advisor en 2012-04-01 Insurance for your pet https://spcpub.com/stories/getting-married-your-policy-or-mine,6297 The CSR Advisor en 2012-04-01 Getting married? Your policy or mine? https://spcpub.com/stories/no-coverage-for-carbon-monoxide-poisoning-under-homeowners-motor-vehicle-exclusion,6298 The CSR Advisor en 2012-04-01 No coverage for carbon monoxide poisoning under homeowners motor vehicle exclusion https://spcpub.com/stories/monthly-quiz,6299 The CSR Advisor en 2012-04-01 Monthly quiz https://spcpub.com/stories/product-liability-risks,6301 The CSR Advisor en 2012-06-01 Product liability risks https://spcpub.com/stories/pip-reform,6302 The CSR Advisor en 2012-06-01 PIP reform https://spcpub.com/stories/business-lunch-etiquette,6303 The CSR Advisor en 2012-06-01 Business lunch etiquette https://spcpub.com/stories/um-covers-injury-to-employee-under-auto-policy,6304 The CSR Advisor en 2012-06-01 U/M covers injury to employee under auto policy https://spcpub.com/stories/product-liability-insurance,6305 The CSR Advisor en 2012-06-01 Product liability insurance https://spcpub.com/stories/pool-safety,6306 The CSR Advisor en 2012-06-01 Pool safety https://spcpub.com/stories/monthly-quiz,6307 The CSR Advisor en 2012-06-01 Monthly quiz https://spcpub.com/stories/commercial-property-revisions,6309 The CSR Advisor en 2012-07-01 Commercial property revisions https://spcpub.com/stories/data-breaches,6310 The CSR Advisor en 2012-07-01 Data breaches https://spcpub.com/stories/point-of-sale-security-tips,6311 The CSR Advisor en 2012-07-01 Point of sale security tips https://spcpub.com/stories/if-your-insured-is-a-small-business-you-should-let-it-know-that-most-cyber-attacks-are-directed,6312 The CSR Advisor en 2012-07-01 If your insured is a small business, you should let it know that most cyber attacks are directed against small companies and most attacks can be prevented with a few small and easy steps. First, periodically change all administrative passwords on all POS https://spcpub.com/stories/no-do-coverage-for-officer,6313 The CSR Advisor en 2012-07-01 No D&O coverage for officer https://spcpub.com/stories/independent-contractors-tricky-to-classify,6314 The CSR Advisor en 2012-07-01 Independent contractors tricky to classify https://spcpub.com/stories/first-time-homeowner-tips,6315 The CSR Advisor en 2012-07-01 First-time homeowner tips https://spcpub.com/stories/monthly-quiz,6316 The CSR Advisor en 2012-07-01 Monthly quiz https://spcpub.com/stories/gaps-in-homeowners-insurance-coverage,6318 The CSR Advisor en 2012-08-01 Gaps in homeowners insurance coverage https://spcpub.com/stories/excess-policies-increasingly-require-actual-exhaustion,6319 The CSR Advisor en 2012-08-01 Excess policies increasingly require actual exhaustion https://spcpub.com/stories/its-who-you-know,6320 The CSR Advisor en 2012-08-01 It’s who you know https://spcpub.com/stories/no-duty-to-defend-failure-to-perform-construction-contract,6321 The CSR Advisor en 2012-08-01 No duty to defend failure to perform construction contract https://spcpub.com/stories/personal-car-on-company-business,6322 The CSR Advisor en 2012-08-01 Personal car on company business https://spcpub.com/stories/guide-to-using-cloud-services,6323 The CSR Advisor en 2012-08-01 Guide to using cloud services https://spcpub.com/stories/monthly-quiz,6324 The CSR Advisor en 2012-08-01 Monthly quiz https://spcpub.com/stories/college-students-away-from-home,6326 The CSR Advisor en 2012-09-01 College students away from home https://spcpub.com/stories/coverage-for-fair-labor-standards-act-violations,6327 The CSR Advisor en 2012-09-01 Coverage for Fair Labor Standards Act violations https://spcpub.com/stories/finding-your-worklife-balance,6328 The CSR Advisor en 2012-09-01 Finding your work/life balance https://spcpub.com/stories/emotional-distress-is-not-a-bodily-injury-under-cgl,6329 The CSR Advisor en 2012-09-01 Emotional distress is not a bodily injury under CGL https://spcpub.com/stories/architect-and-engineer-professional-liability-policy,6330 The CSR Advisor en 2012-09-01 Architect and engineer professional liability policy https://spcpub.com/stories/shift-work-linked-to-health-problems,6331 The CSR Advisor en 2012-09-01 Shift work linked to health problems https://spcpub.com/stories/monthly-quiz,6332 The CSR Advisor en 2012-09-01 Monthly quiz https://spcpub.com/stories/large-deductibles-to-control-costs,6334 The CSR Advisor en 2012-10-01 Large deductibles to control costs https://spcpub.com/stories/fracking-and-your-property-insureds,6335 The CSR Advisor en 2012-10-01 Fracking and your property insureds https://spcpub.com/stories/,6336 The CSR Advisor en 2012-10-01   https://spcpub.com/stories/attending-a-professional-conference,6337 The CSR Advisor en 2012-10-01 Attending a professional conference https://spcpub.com/stories/no-duty-to-inform-additional-insured,6338 The CSR Advisor en 2012-10-01 No duty to inform additional insured https://spcpub.com/stories/how-your-insureds-can-avoid-ada-litigation,6339 The CSR Advisor en 2012-10-01 How your insureds can avoid ADA litigation https://spcpub.com/stories/trick-or-treating-safety,6340 The CSR Advisor en 2012-10-01 Trick-or-treating safety https://spcpub.com/stories/monthly-quiz,6341 The CSR Advisor en 2012-10-01 Monthly quiz https://spcpub.com/stories/insurable-interests,6343 The CSR Advisor en 2012-11-01 Insurable interests https://spcpub.com/stories/recovering-diminished-value,6344 The CSR Advisor en 2012-11-01 Recovering diminished value https://spcpub.com/stories/public-speaking-tips,6345 The CSR Advisor en 2012-11-01 Public speaking tips https://spcpub.com/stories/all-sums-with-stacking-for-long-tail-claim,6346 The CSR Advisor en 2012-11-01 “All sums” with stacking for long-tail claim https://spcpub.com/stories/your-insureds-pre-emergency-planning,6347 The CSR Advisor en 2012-11-01 Your insured’s pre-emergency planning https://spcpub.com/stories/guide-to-adverse-possession,6348 The CSR Advisor en 2012-11-01 Guide to adverse possession https://spcpub.com/stories/monthly-quiz,6349 The CSR Advisor en 2012-11-01 Monthly quiz https://spcpub.com/stories/errors-and-omissions-fine-print,6351 The CSR Advisor en 2012-12-01 Errors and omissions fine print https://spcpub.com/stories/opioid-curse-in-workers-compensation,6352 The CSR Advisor en 2012-12-01 Opioid curse in workers compensation https://spcpub.com/stories/office-skills-to-increase-efficiency,6353 The CSR Advisor en 2012-12-01 Office skills to increase efficiency https://spcpub.com/stories/no-jones-act-recovery-for-gunshot-death,6354 The CSR Advisor en 2012-12-01 No Jones Act recovery for gunshot death https://spcpub.com/stories/covering-ice-and-snow-damage,6355 The CSR Advisor en 2012-12-01 Covering ice and snow damage https://spcpub.com/stories/winterize-the-home,6356 The CSR Advisor en 2012-12-01 Winterize the home https://spcpub.com/stories/monthly-quiz,6357 The CSR Advisor en 2012-12-01 Monthly quiz https://spcpub.com/stories/costly-certificate-errors,6359 The CSR Advisor en 2013-01-01 Costly certificate errors  https://spcpub.com/stories/-a-certificate-of-insurance-is-a-document-issued-by-or-on-behalf-of-an-insurer-indicating-that,6360 The CSR Advisor en 2013-01-01    A certificate of insurance is a document issued by or on behalf of an insurer indicating that an insurance policy of a certain type and limits exists. It is a snapshot of basic policy coverages and limits at the time the certificate is issued. Certific https://spcpub.com/stories/-improper-handling-of-certificates-of-insurance-cause-a-great-number-of-errors-and-omissions,6361 The CSR Advisor en 2013-01-01    Improper handling of certificates of insurance cause a great number of errors and omissions (E&O) claims. The two main sources of certificate E&O claims are failing to add or improperly identifying additional insureds and misrepresenting coverage on th https://spcpub.com/stories/uninsurable-or-inappropriate-certificate-requests,6362 The CSR Advisor en 2013-01-01 Uninsurable or inappropriate certificate requests  https://spcpub.com/stories/-although-certificate-holders-may-request-special-wording-you-should-handle-such-requests-with,6363 The CSR Advisor en 2013-01-01    Although certificate holders may request special wording, you should handle such requests with caution. If you deviate from the form, the actual coverage provided by the policy may be misinterpreted. This is an E&O exposure.  https://spcpub.com/stories/sometimes-contracts-will-transfer-uninsurable-risks-and-liabilities-your-customer-may-have-signed,6364 The CSR Advisor en 2013-01-01 Sometimes contracts will transfer uninsurable risks and liabilities. Your customer may have signed a contract that requires him or her to be responsible, under a commercial general liability (CGL) policy, for “ANY negligent acts, errors or omissions” or “ https://spcpub.com/stories/-some-contracts-require-that-the-certificate-holder-be-given-additional-insured-status-under-a,6365 The CSR Advisor en 2013-01-01    Some contracts require that the certificate holder be given additional insured status under a specific endorsement number and edition date. Since later editions may have superseded earlier editions, this may be impossible. In some cases, two endorsemen https://spcpub.com/stories/-other-contracts-specify-that-the-certificate-of-insurance-provide-for-a-notice-of-cancellation,6366 The CSR Advisor en 2013-01-01   Other contracts specify that the certificate of insurance provide for a notice of cancellation to the certificate holder. However, the standard additional insured endorsement makes no provision for cancellation notice to an additional insured. Unless th https://spcpub.com/stories/additional-insured-problems,6367 The CSR Advisor en 2013-01-01 Additional insured problems  https://spcpub.com/stories/one-of-the-most-common-requests-made-in-connection-with-additional-insured-status-on-a-cgl-policy,6368 The CSR Advisor en 2013-01-01 One of the most common requests made in connection with additional insured status on a CGL policy is that the certificate of insurance include a statement from the agent that such coverage is provided on a “primary and noncontributory” basis. The problem https://spcpub.com/stories/-if-noncontributory-means-that-under-the-contract-the-additional-insureds-policy,6369 The CSR Advisor en 2013-01-01    If “noncontributory” means that under the contract the additional insured’s policy won’t contribute at all to a claim or suit, then effectively the other party has agreed to an indemnity arrangement. If the insured’s CGL limits are inadequate, then in https://spcpub.com/stories/-as-a-general-eo-rule-when-language-like-this-appears-in-a-contract-it-should-never-be-added,6370 The CSR Advisor en 2013-01-01    As a general E&O rule, when language like this appears in a contract, it should never be added to a certificate. Wording like this on a certificate of insurance has no force or effect whatsoever other than to create a potential E&O exposure for the age https://spcpub.com/stories/-finally-its-important-to-keep-in-mind-that-an-additional-insured-isnt-added-to-the,6371 The CSR Advisor en 2013-01-01    Finally, it’s important to keep in mind that an additional insured isn’t added to the policy just because the certificate says the certificate holder is an additional insured. Current Insurance Services Office (ISO) additional insured endorsements don’ https://spcpub.com/stories/best-practices,6372 The CSR Advisor en 2013-01-01 Best practices  https://spcpub.com/stories/-initially-you-should-provide-your-client-with-a-disclaimer-at-the-beginning-of-the,6373 The CSR Advisor en 2013-01-01    Initially, you should provide your client with a disclaimer at the beginning of the relationship. Provide a written notice to all new or existing clients advising that your agency will only provide current, accurate information on certificates; will di https://spcpub.com/stories/-next-make-sure-that-the-certificate-conforms-to-the-state-insurance-code-state-laws-or,6374 The CSR Advisor en 2013-01-01    Next, make sure that the certificate conforms to the state insurance code. State laws or regulations sometimes require a statement that a certificate neither affirmatively nor negatively amends, extends, nor alters the coverage afforded by the policy. https://spcpub.com/stories/-agents-often-fall-into-a-routine-with-policyholders-that-frequently-require-certificates-in,6375 The CSR Advisor en 2013-01-01    Agents often fall into a routine with policyholders that frequently require certificates. In these situations, the agent can become lax in checking to make sure that the coverage hasn’t changed. E&O claims have arisen from certificates issued on polici https://spcpub.com/stories/always-follow-the-acord-forms-instruction-guide-when-preparing-acord-certificates-do-not-alter,6376 The CSR Advisor en 2013-01-01 Always follow the ACORD Forms Instruction Guide when preparing ACORD certificates. Do not alter wording on an ACORD or other printed certificate form.  https://spcpub.com/stories/follow-insurer-guidelines-and-your-agencys-authority-when-writing-certificates-dont-prepare,6377 The CSR Advisor en 2013-01-01 Follow insurer guidelines and your agency’s authority when writing certificates. Don’t prepare nonstandard certificates without receiving specific authorization from the insurer and send nonstandard certificates to the insurer for review.  https://spcpub.com/stories/use-a-checklist-when-processing-a-request-for-a-certificate-your-agency-should-designate-a,6378 The CSR Advisor en 2013-01-01 Use a checklist when processing a request for a certificate. Your agency should designate a technically proficient person to double-check each certificate before it’s delivered.  https://spcpub.com/stories/-so-the-next-time-a-customer-tells-you-the-certificate-has-to-state-think-about-your-best,6379 The CSR Advisor en 2013-01-01    So the next time a customer tells you, the certificate HAS to state … think about your best practices. Don’t hurry through the form and don’t add improper wording to please the customer. If the insurer is unable or unwilling to provide the requested co https://spcpub.com/stories/problems-and-solutions,6380 The CSR Advisor en 2013-01-01 Problems and solutions  https://spcpub.com/stories/there-are-three-primary-reasons-eo-claims-arise-out-of-certificates-of-insurance-issued-by-an,6381 The CSR Advisor en 2013-01-01 There are three primary reasons E&O claims arise out of certificates of insurance issued by an agency: First, producers and CSRs can be put under intense pressure to issue certificates that satisfy a customer’s demand to get a job or get paid for a job. A https://spcpub.com/stories/the-solutions-to-these-problems-are-simple-first-csrs-should-follow-agency-policy-on-certificates,6382 The CSR Advisor en 2013-01-01 The solutions to these problems are simple. First, CSRs should follow agency policy on certificates of insurance. Second, CSRs should ensure that certificates are checked and double-checked before they leave the office. Finally, CSRs should educate policy https://spcpub.com/stories/untitled,6383 The CSR Advisor en 2013-01-01 https://spcpub.com/stories/industry-insight-,6384 The CSR Advisor en 2013-01-01 Industry insight …  https://spcpub.com/stories/state-of-workers-compensation-market,6385 The CSR Advisor en 2013-01-01 State of workers compensation market  https://spcpub.com/stories/last-year-at-this-time-the-prognosis-for-workers-compensation-was-decidedly-grim-bordering-on,6386 The CSR Advisor en 2013-01-01 Last year at this time, the prognosis for workers compensation was decidedly grim, bordering on dire, with financial analysts delivering a second consecutive year of bad news. The National Council on Compensation Insurance Inc. (NCCI) painted the industr https://spcpub.com/stories/-in-2012-unemployment-continued-to-decline-to-79-percent-in-october-and-77-percent-in,6387 The CSR Advisor en 2013-01-01    In 2012, unemployment continued to decline – to 7.9 percent in October and 7.7 percent in November, the lowest rates since January 2009. At the same time, employment and payrolls have been growing. The market is also hardening – albeit at a rather slug https://spcpub.com/stories/-industry-observers-use-words-like-challenging-and-conflicted-to-describe,6388 The CSR Advisor en 2013-01-01    Industry observers use words like “challenging” and “conflicted” to describe conditions and talk about a market that is “tentative” or “in transition” rather than one that has turned. The sluggish pace in a forward direction is expected to continue, ba https://spcpub.com/stories/looking-at-key-dynamics,6389 The CSR Advisor en 2013-01-01 Looking at key dynamics  https://spcpub.com/stories/-one-of-the-key-indicators-that-insurers-use-to-take-the-pulse-of-the-industr-y-is-the-combined,6390 The CSR Advisor en 2013-01-01    One of the key indicators that insurers use to take the pulse of the industr y is the combined ratio. In layman’s terms, the combined ratio essentially reflects how much an insurer pays out for ever y dollar it takes in. In most businesses, it is axiom https://spcpub.com/stories/-in-insurance-particularly-in-the-long-tail-line-of-workers-compensation-things-are-a-little,6391 The CSR Advisor en 2013-01-01    In insurance, particularly in the long-tail line of workers compensation, things are a little more complicated. Investment income on reserves (money held to pay future claims costs) allows insurers to realize a profit with a combined ratio of up to abo https://spcpub.com/stories/-in-2011-the-workers-compensation-calendar-year-combined-ratio-came-in-at-115-percent-exactly,6392 The CSR Advisor en 2013-01-01    In 2011, the workers compensation calendar year combined ratio came in at 115 percent, exactly the same as the 2010 figure. This was better than expected. A.M. Best had forecast a 2011 combined ratio of 121.5 percent, so holding the line was a victory https://spcpub.com/stories/with-a-high-combined-ratio-there-is-more-pressure-on-performance-to-achieve-profitability,6393 The CSR Advisor en 2013-01-01 With a high combined ratio, there is more pressure on performance. To achieve profitability, insurers must see a healthy yield on investment, must maintain scrupulous underwriting discipline, and must hold expenses down. Unfortunately, although the 2011 r https://spcpub.com/stories/premium-and-rates-on-the-upswing,6394 The CSR Advisor en 2013-01-01 Premium and rates on the upswing  https://spcpub.com/stories/on-a-positive-note-premium-began-growing-again-in-2011-after-job-losses-shed-roughly-a-third-of,6395 The CSR Advisor en 2013-01-01 On a positive note, premium began growing again in 2011 after job losses shed roughly a third of the premium base over the preceding five years. In 2011, NCCI reported a $36.3 billion, or 7.4 percent, increase in premium. Premium growth can be attributed https://spcpub.com/stories/a-point-to-note,6396 The CSR Advisor en 2013-01-01 A point to note  https://spcpub.com/stories/a-significant-change-in-how-workers-compensation-rates-are-calculated-occurs-in-january-2013-when,6397 The CSR Advisor en 2013-01-01 A significant change in how workers compensation rates are calculated occurs in January 2013 when the primary/excess split point threshold in the experience rating modification formula rises from $5,000 to $10,000 per claim (with additional increases in s https://spcpub.com/stories/free-online-learning,6398 The CSR Advisor en 2013-01-01 Free online learning  https://spcpub.com/stories/-the-subjects-offered-span-the-college-experience-from-math-and-technology-to-languages-and,6400 The CSR Advisor en 2013-01-01    The subjects offered span the college experience, from math and technology, to languages and economics. MOOCs enable people to easily learn new topics whenever needed and to stay up to date during their entire career.  https://spcpub.com/stories/-schools-dont-offer-credit-for-their-moocs-but-some-participants-can-buy-or-receive,6401 The CSR Advisor en 2013-01-01    Schools don’t offer credit for their MOOCs, but some participants can buy or receive certificates confirming their understanding of the material.  https://spcpub.com/stories/-unfortunately-only-one-in-ten-people-who-sign-up-for-moocs-complete-them-however-these,6402 The CSR Advisor en 2013-01-01    Unfortunately, only one in ten people who sign up for MOOCs complete them. However, these courses are a major trend in education and the success stories are likely to grow.  https://spcpub.com/stories/-for-the-busy-professional-without-the-time-to-devote-to-an-evening-class-at-the-local,6403 The CSR Advisor en 2013-01-01     For the busy professional, without the time to devote to an evening class at the local community college, MOOCs offer a viable alternative to continuing your education. https://spcpub.com/stories/a-look-at-the-law-,6404 The CSR Advisor en 2013-01-01 A look at the law ...  https://spcpub.com/stories/federal-flood-policy-cannot-be-modified,6405 The CSR Advisor en 2013-01-01 Federal flood policy cannot be modified  https://spcpub.com/stories/-a-private-insurer-does-not-have-the-authority-to-modify-the-terms-of-a-federal-flood-insurance,6406 The CSR Advisor en 2013-01-01    A private insurer does not have the authority to modify the terms of a federal flood insurance policy — McGair, et al, v. American Bankers Insurance Company of Florida, 11-2179 (1st Cir. Sept. 4, 2012).  https://spcpub.com/stories/-in-july-2006-the-mcgairs-purchased-a-flood-insurance-policy-from-american-bankers-insurance,6407 The CSR Advisor en 2013-01-01    In July 2006, the McGairs purchased a flood insurance policy from American Bankers Insurance Company of Florida (American Bankers). The policy was issued pursuant to the National Flood Insurance Program (NFIP), a federal program under which private ins https://spcpub.com/stories/subsequently-the-mcgairs-brought-suit-arguing-that-the-declarations-page-of-their-policy-created,6408 The CSR Advisor en 2013-01-01 Subsequently, the McGairs brought suit, arguing that the declarations page of their policy created an ambiguity as to the scope of coverage and that, under insurance law principles, this ambiguity should be resolved in their favor. The court disagreed.  https://spcpub.com/stories/national-flood-insurance-program,6409 The CSR Advisor en 2013-01-01 National Flood Insurance Program  https://spcpub.com/stories/the-nfip-was-created-by-the-national-flood-insurance-act-of-1968-and-is-administered-by-the-federal,6410 The CSR Advisor en 2013-01-01 The NFIP was created by the National Flood Insurance Act of 1968 and is administered by the Federal Emergency Management Agency (FEMA) and backed by the federal treasury, which is responsible for paying claims that exceed the revenue generated by premiums https://spcpub.com/stories/-many-colleges-and-universities-across-the-country-offer-free-online-courses-massive-open,6399 The CSR Advisor en 2013-01-01    Many colleges and universities across the country offer free online courses. Massive open online courses, or MOOCs, are classes taught online to large numbers of students with minimal involvement by professors. Typically, students watch short video lec https://spcpub.com/stories/in-1983-fema-created-the-write-your-own-wyo-program-permitting-private-insurers-to-issue,6411 The CSR Advisor en 2013-01-01 In 1983, FEMA created the Write-Your-Own (WYO) program, permitting private insurers to issue policies as part of the NFIP. As part of the WYO program, FEMA promulgated regulations prescribing the terms of the Standard Flood Insurance Policy (SFIP) to be u https://spcpub.com/stories/two-limitations-on-coverage-provided-by-the-sfip-are-relevant-to-this-case-first-one-sfip-clause,6412 The CSR Advisor en 2013-01-01 Two limitations on coverage provided by the SFIP are relevant to this case. First, one SFIP clause states that coverage for items located in the basement of a dwelling is limited, and it identifies 17 categories of fixtures (e.g., central air conditioners https://spcpub.com/stories/mcgairs-declarations-page,6413 The CSR Advisor en 2013-01-01 McGairs’ declarations page  https://spcpub.com/stories/-the-mcgairs-policy-states-that-flood-insurance-is-provided-under-the-terms-of-the,6414 The CSR Advisor en 2013-01-01    The McGairs’ policy states that flood insurance is provided “under the terms of the National Flood Insurance Act of 1968. …” Reflecting the prohibition on alteration of the SFIP, the McGairs’ policy also provides that it “cannot be changed nor can any https://spcpub.com/stories/-the-mcgairs-policy-also-includes-a-declarations-page-indicating-the-coverage-purchased-the,6415 The CSR Advisor en 2013-01-01    The McGairs’ policy also includes a declarations page indicating the coverage purchased, the policy limits, and the deductible. The “Rating Information” section of the declarations page indicates that the McGairs have a finished basement and states tha https://spcpub.com/stories/-in-late-march-2010-the-mcgairs-home-was-damaged-by-a-flood-the-flooding-caused-damage-to,6416 The CSR Advisor en 2013-01-01    In late March 2010, the McGairs’ home was damaged by a flood. The flooding caused damage to furniture, furnishings, appliances, and fixtures, including such items located in the McGairs’ finished basement. On March 31, 2010, the McGairs filed a claim b https://spcpub.com/stories/-an-independent-adjuster-investigated-the-damage-and-recommended-that-american-bankers-pay,6417 The CSR Advisor en 2013-01-01    An independent adjuster investigated the damage and recommended that American Bankers pay $4,307.91 to settle the claim. The McGairs refused to accept payment and sent documentation of repair estimates to American Bankers totaling $40,614.52 in damages https://spcpub.com/stories/-the-mcgairs-argued-that-the-sfip-and-declarations-page-should-be-interpreted-pursuant-to,6418 The CSR Advisor en 2013-01-01    The McGairs argued that the SFIP and declarations page should be interpreted pursuant to federal common law and standard insurance law principles, including the familiar principle that any ambiguity in the contract should be read in their favor. They a https://spcpub.com/stories/no-alteration-permitted,6419 The CSR Advisor en 2013-01-01 No alteration permitted  https://spcpub.com/stories/the-court-ruled-in-favor-of-american-bankers-the-regulations-governing-the-nfip-provide-that,6420 The CSR Advisor en 2013-01-01 The court ruled in favor of American Bankers. The regulations governing the NFIP provide that parties cannot alter the terms of the SFIP and the McGairs knew of this prohibition.  https://spcpub.com/stories/whether-or-not-an-ambiguity-was-created-american-bankers-did-not-have-the-authority-to-alter-the,6421 The CSR Advisor en 2013-01-01 Whether or not an ambiguity was created, American Bankers did not have the authority to alter the terms of the SFIP through the declarations page. Only the Federal Insurance Administrator can give consent for alterations to the policy.  https://spcpub.com/stories/action-point,6422 The CSR Advisor en 2013-01-01 Action point  https://spcpub.com/stories/a-wyo-federal-flood-insurance-policy-will-not-be-interpreted-liberally-like-a-private-insurance,6423 The CSR Advisor en 2013-01-01 A WYO federal flood insurance policy will not be interpreted liberally like a private insurance contract. An insured must comply strictly with the terms and conditions of an SFIP.  https://spcpub.com/stories/the-court-noted-that-there-are-some-circumstances-where-a-wyo-insurer-may-be-required-to-pay,6424 The CSR Advisor en 2013-01-01 The court noted that there are some circumstances where a WYO insurer may be required to pay damages. The Federal Insurance Administrator may choose not to reimburse a WYO company for any award or judgment against it, or for the costs of litigation, if th https://spcpub.com/stories/agency-liability-did-not-apply-to-this-case-because-the-insurer-was-acting-as-a-fiscal-agent-of-the,6425 The CSR Advisor en 2013-01-01 Agency liability did not apply to this case because the insurer was acting as a fiscal agent of the federal government. The McGairs alleged only that there was an ambiguity as to whether the contents of their basement were covered by their policy. Accordi https://spcpub.com/stories/test-your-knowledge-,6426 The CSR Advisor en 2013-01-01 Test your knowledge …  https://spcpub.com/stories/other-coverages-exclusion,6427 The CSR Advisor en 2013-01-01 “Other coverages” exclusion  https://spcpub.com/stories/-what-is-the-other-coverages-exclusion-how-does-it-hurt-insureds-and-what-can-be-done-to,6428 The CSR Advisor en 2013-01-01    What is the “other coverages” exclusion? How does it hurt insureds and what can be done to avoid the negative repercussions of its use in a policy?  https://spcpub.com/stories/-where-an-insurance-policy-includes-several-distinct-coverage-parts-as-is-often-the-case-in,6429 The CSR Advisor en 2013-01-01    Where an insurance policy includes several distinct coverage parts, as is often the case in most corporate insurance programs, many types of liabilities — including most catastrophic liabilities — may fall under multiple coverages within the same polic https://spcpub.com/stories/-the-tool-that-potentially-enables-insurers-to-play-one-coverage-part-off-against-another-is-a,6430 The CSR Advisor en 2013-01-01    The tool that potentially enables insurers to play one coverage part off against another is a policy provision known as the “other coverages” exclusion, which stipulates that coverage under any one part of a policy excludes coverage under other parts. https://spcpub.com/stories/-dpc-industries-illustrates-the-harsh-fact-that-policyholders-should-not-always-breathe-a-sigh-of,6431 The CSR Advisor en 2013-01-01   DPC Industries illustrates the harsh fact that policyholders should not always breathe a sigh of relief when an insurer initially accepts coverage for a claim. The case involved a chlorine gas leak at a facility in Missouri, which ultimately led to over https://spcpub.com/stories/the-other-coverages-exclusion-prevents-stacking-of-limits-from-multiple-potentially,6432 The CSR Advisor en 2013-01-01 The “other coverages” exclusion prevents stacking of limits from multiple potentially applicable coverage parts within the same policy. After DPC Industries, policyholders will need to be that much more careful in how they submit claims and vigilant about https://spcpub.com/stories/the-key-is-to-review-policies-for-any-exclusions-or-provisions-that-limit-application-of-any,6433 The CSR Advisor en 2013-01-01 The key is to review policies for any exclusions or provisions that limit application of any coverage part based on acceptance of coverage or payment under another coverage part. Such review is critical both for insurance policies currently in effect and https://spcpub.com/stories/avoid-or-limit-this-exclusion-when-purchasing-or-renewing-coverage,6434 The CSR Advisor en 2013-01-01 Avoid or limit this exclusion when purchasing or renewing coverage  https://spcpub.com/stories/if-your-insured-is-purchasing-new-coverage-or-renewing-an-existing-policy-the-ideal-result-would,6435 The CSR Advisor en 2013-01-01 If your insured is purchasing new coverage or renewing an existing policy, the ideal result would be obtaining a policy with no exclusion for claims covered by other coverages. If, however, an insurer insists on such an exclusion, the best solution is to https://spcpub.com/stories/submitting-a-claim,6436 The CSR Advisor en 2013-01-01 Submitting a claim  https://spcpub.com/stories/if-your-insured-already-has-a-policy-that-includes-an-other-coverages-exclusion-submission,6437 The CSR Advisor en 2013-01-01 If your insured already has a policy that includes an “other coverages” exclusion, submission of claims to which multiple coverages may apply likely will be a delicate endeavor, particularly if there is a dramatic difference in the available limits under https://spcpub.com/stories/-in-the-more-likely-scenario-as-demonstrated-by-dpc-industries-the-insurer-will-respond-by,6438 The CSR Advisor en 2013-01-01    In the more likely scenario, as demonstrated by DPC Industries, the insurer will respond by denying coverage under the policy part with the higher limits but accept coverage under another part with lower limits. This situation presents a difficult choi https://spcpub.com/stories/-if-a-fight-is-in-order-however-one-option-is-to-refuse-the-insurers-acceptance-of,6439 The CSR Advisor en 2013-01-01    If a fight is in order, however, one option is to refuse the insurer’s acceptance of coverage under the lower-limit coverage and immediately bring a lawsuit seeking a declaration that the higher-limit coverage potentially applies and that the policyhol https://spcpub.com/stories/-in-the-alter-native-situation-where-the-policyholder-has-little-choice-but-to-accept-the,6440 The CSR Advisor en 2013-01-01    In the alter native situation, where the policyholder has little choice but to accept the insurer’s selection of applicable coverage in order to recoup necessary funds incurred in defense of the underlying claims, at least one measure of protection can https://spcpub.com/stories/two-minute-memo-,6441 The CSR Advisor en 2013-01-01 Two-minute memo …  https://spcpub.com/stories/what-to-do-after-a-car-accident,6442 The CSR Advisor en 2013-01-01 What to do after a car accident  https://spcpub.com/stories/-automobile-accidents-happen-every-minute-of-the-day-according-to-the-national-highway-traffic,6443 The CSR Advisor en 2013-01-01    Automobile accidents happen every minute of the day. According to the National Highway Traffic Safety Administration, more than five million wrecks occur every year. Do your insureds know what to do after a car accident?  https://spcpub.com/stories/-after-an-automobile-accident-probably-the-last-thing-on-the-mind-of-your-insureds-is,6444 The CSR Advisor en 2013-01-01    After an automobile accident, probably the last thing on the mind of your insureds is protecting their identity. However, a recent survey by the National Association of Insurance Commissioners (NAIC) suggests that many people do not know what informati https://spcpub.com/stories/state-laws-vary-but-in-most-cases-your-insured-need-only-provide-his-or-her-name-and-vehicle,6445 The CSR Advisor en 2013-01-01 State laws vary but in most cases, your insured need only provide his or her name and vehicle insurance information, which should include the name and phone number of the insured’s insurer.  https://spcpub.com/stories/sharing-personal-information-such-as-an-address-and-phone-number-may-put-your-insureds-privacy,6446 The CSR Advisor en 2013-01-01 Sharing personal information, such as an address and phone number, may put your insured’s privacy and identity at risk. Your insured shouldn’t let the other driver photograph his or her license. The risk is that many retailers accept driver’s licenses as https://spcpub.com/stories/keep-in-mind-that-if-the-other-driver-is-unable-to-provide-vehicle-ownership-or-insurance,6447 The CSR Advisor en 2013-01-01 Keep in mind that if the other driver is unable to provide vehicle ownership or insurance information, it is appropriate to ask for that person’s phone number, address, and driver’s license number.  https://spcpub.com/stories/identity-theft-is-one-of-the-fastest-growing-crimes-in-the-united-states-the-federal-trade,6448 The CSR Advisor en 2013-01-01 Identity theft is one of the fastest-growing crimes in the United States. The Federal Trade Commission estimates nearly nine million consumers have their identities stolen each year, disrupting finances and damaging credit histories and reputation. Knowin https://spcpub.com/stories/naic-has-a-wreckcheck-free-mobile-application-available-for-iphone-and-android-smartphones-the-app,6449 The CSR Advisor en 2013-01-01 NAIC has a WreckCheck free mobile application available for iPhone and Android smartphones. The app outlines what to do immediately following an accident and walks users through a step-by-step process to create an accident report. The app directs users to https://spcpub.com/stories/-finally-although-your-insureds-may-think-that-they-only-need-to-call-the-police-after-an,6450 The CSR Advisor en 2013-01-01    Finally, although your insureds may think that they only need to call the police after an accident if someone is hurt, filing a police report is always a good idea and can help ease the insurance claims process. https://spcpub.com/stories/monthly-quiz,6451 The CSR Advisor en 2013-01-01 Monthly quiz  https://spcpub.com/stories/this-months-quiz-tests-your-knowledge-of-reinsurance,6452 The CSR Advisor en 2013-01-01 This month’s quiz tests your knowledge of reinsurance.  https://spcpub.com/stories/1-an-alien-insurer-is,6453 The CSR Advisor en 2013-01-01 1. An alien insurer is:  https://spcpub.com/stories/a-operating-in-the-country-illegally,6454 The CSR Advisor en 2013-01-01 a. Operating in the country illegally.  https://spcpub.com/stories/b-domiciled-outside-of-the-insureds-state,6455 The CSR Advisor en 2013-01-01 b. Domiciled outside of the insured’s state.  https://spcpub.com/stories/c-domiciled-outside-of-the-united-states,6456 The CSR Advisor en 2013-01-01 c. Domiciled outside of the United States.  https://spcpub.com/stories/d-an-insolvent-insurer,6457 The CSR Advisor en 2013-01-01 d. An insolvent insurer.  https://spcpub.com/stories/2-the-following-are-reasons-to-purchase-reinsurance-except,6458 The CSR Advisor en 2013-01-01 2. The following are reasons to purchase reinsurance EXCEPT?  https://spcpub.com/stories/a-to-limit-liability-on-specific-risks,6459 The CSR Advisor en 2013-01-01 a. To limit liability on specific risks.  https://spcpub.com/stories/b-to-stabilize-loss-experience,6460 The CSR Advisor en 2013-01-01 b. To stabilize loss experience.  https://spcpub.com/stories/c-to-protect-against-catastrophes,6461 The CSR Advisor en 2013-01-01 c. To protect against catastrophes.  https://spcpub.com/stories/d-to-decrease-capacity,6462 The CSR Advisor en 2013-01-01 d. To decrease capacity.  https://spcpub.com/stories/3-treaty-reinsurance-contracts-to-cover-individual-underlying-policies-and-is-written-on-a,6463 The CSR Advisor en 2013-01-01 3. Treaty reinsurance contracts to cover individual underlying policies and is written on a policy-specific basis. True or false?  https://spcpub.com/stories/a-true,6464 The CSR Advisor en 2013-01-01 a. True  https://spcpub.com/stories/b-false,6465 The CSR Advisor en 2013-01-01 b. False https://spcpub.com/stories/answers-1c-2d-3b,6466 The CSR Advisor en 2013-01-01 Answers: 1c, 2d, 3b  https://spcpub.com/stories/,6467 The CSR Advisor en 2013-01-01   https://spcpub.com/stories/,6468 The CSR Advisor en 2013-01-01   https://spcpub.com/stories/untitled,6470 The CSR Advisor en 2013-02-01 https://spcpub.com/stories/predictive-analytics-on-the-rise,6471 The CSR Advisor en 2013-02-01 Predictive analytics on the rise https://spcpub.com/stories/eo-tips-to-make-you-a-better-csr,6472 The CSR Advisor en 2013-02-01 E&O tips to make you a better CSR https://spcpub.com/stories/insurable-interest-in-property-scheduled-for-demolition,6473 The CSR Advisor en 2013-02-01 Insurable interest in property scheduled for demolition https://spcpub.com/stories/condo-insurance,6474 The CSR Advisor en 2013-02-01 Condo insurance https://spcpub.com/stories/when-your-coworker-has-cancer,6475 The CSR Advisor en 2013-02-01 When your coworker has cancer https://spcpub.com/stories/monthly-quiz,6476 The CSR Advisor en 2013-02-01 Monthly quiz https://spcpub.com/stories/what-you-should-know-about-personal-umbrellas,6478 The CSR Advisor en 2013-03-01 What you should know about personal umbrellas https://spcpub.com/stories/catastrophes-and-climate-change,6479 The CSR Advisor en 2013-03-01 Catastrophes and climate change https://spcpub.com/stories/election-of-remedies-means-no-subrogation-for-negligent-agency,6480 The CSR Advisor en 2013-03-01 Election of remedies means no subrogation for negligent agency https://spcpub.com/stories/innocent-coinsured-doctrine,6481 The CSR Advisor en 2013-03-01 Innocent coinsured doctrine https://spcpub.com/stories/business-interruption-and-flooding,6482 The CSR Advisor en 2013-03-01 Business interruption and flooding https://spcpub.com/stories/monthly-quiz,6483 The CSR Advisor en 2013-03-01 Monthly quiz https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlecommissions-and-cheapest,6486 The CSR Advisor en 2013-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Commissions and cheapest coverage https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlecures-for,6487 The CSR Advisor en 2013-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Cures for procrastination https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlesubcontractor-is,6488 The CSR Advisor en 2013-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Subcontractor is independent contractor subject to exclusion in CGL https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlehomeowners-insurance-for,6489 The CSR Advisor en 2013-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Homeowners insurance for life tenant https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleseparate-rental-car,6490 The CSR Advisor en 2013-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Separate rental car insurance https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemonthly-quiz,6491 The CSR Advisor en 2013-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Monthly quiz https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlegun-ownership-coverage,6493 The CSR Advisor en 2013-07-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Gun ownership coverage issues https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlecrop-insurance,6494 The CSR Advisor en 2013-07-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Crop insurance https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleruining-your,6495 The CSR Advisor en 2013-07-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Ruining your professional reputation https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlevoluntary-payment-not,6496 The CSR Advisor en 2013-07-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Voluntary payment not covered https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleinsuring-antique-and,6497 The CSR Advisor en 2013-07-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Insuring antique and classic autos https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleboating-safety,6498 The CSR Advisor en 2013-07-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Boating safety https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemonthly-quiz,6499 The CSR Advisor en 2013-07-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Monthly quiz https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleworkers-comp-and,6501 The CSR Advisor en 2013-10-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Workers comp and business owners https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleinsurance-accounting,6502 The CSR Advisor en 2013-10-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Insurance accounting standards in flux https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleethical-responsibilities,6503 The CSR Advisor en 2013-10-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Ethical responsibilities https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddledual-insurers-on-same,6504 The CSR Advisor en 2013-10-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Dual insurers on same risk have joint liability https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleinsuring-storage-units,6505 The CSR Advisor en 2013-10-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Insuring storage units https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlespace-heater-safety,6506 The CSR Advisor en 2013-10-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Space heater safety https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemonthly-quiz,6507 The CSR Advisor en 2013-10-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Monthly quiz https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleout-of-state-workers,6509 The CSR Advisor en 2013-11-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Out-of-state workers compensation exposures https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleupdate-on-terrorism-risk,6510 The CSR Advisor en 2013-11-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Update on terrorism risk insurance https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleconquering-your-inbox,6511 The CSR Advisor en 2013-11-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Conquering your inbox https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleinsurer-not-entitled-to,6512 The CSR Advisor en 2013-11-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Insurer not entitled to recoup defense costs https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlegetting-the-names-right,6513 The CSR Advisor en 2013-11-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Getting the names right https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlesinkhole-insurance,6514 The CSR Advisor en 2013-11-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Sinkhole insurance https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemonthly-quiz,6515 The CSR Advisor en 2013-11-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Monthly quiz https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleinsuring-intellectual,6517 The CSR Advisor en 2013-12-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Insuring intellectual property risks https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleerm-frameworks,6518 The CSR Advisor en 2013-12-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">ERM frameworks https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlesocial-media-and-cyber,6519 The CSR Advisor en 2013-12-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Social media and cyber security exposures https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleno-reformation-of-policy,6520 The CSR Advisor en 2013-12-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">No reformation of policy after meaningful offer https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleworkers-compensation-and,6521 The CSR Advisor en 2013-12-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Workers compensation and volunteers https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleodd-lot-doctrine-and,6522 The CSR Advisor en 2013-12-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Odd-lot doctrine and non-English-speaking workers https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemonthly-quiz,6523 The CSR Advisor en 2013-12-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Monthly quiz https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlefracking-risks-and,6525 The CSR Advisor en 2014-01-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Fracking risks and insurance https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleasbestos-litigation,6526 The CSR Advisor en 2014-01-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Asbestos litigation https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlefmla-benefits,6527 The CSR Advisor en 2014-01-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">FMLA benefits https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlepolicy-shortens-statute,6528 The CSR Advisor en 2014-01-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Policy shortens statute of limitations https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemedical-marijuana-in-the,6529 The CSR Advisor en 2014-01-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Medical marijuana in the workplace https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleprotecting-your-identity,6530 The CSR Advisor en 2014-01-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Protecting your identity on social media https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemonthly-quiz,6531 The CSR Advisor en 2014-01-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Monthly quiz https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleemployment-practices,6533 The CSR Advisor en 2014-02-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Employment practices liability https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlegovernment-seizure-of,6534 The CSR Advisor en 2014-02-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Government seizure of property used in crimes https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlevacancy-period-may-run,6536 The CSR Advisor en 2014-02-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Vacancy period may run before policy inception date https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemedicare-secondary-payer,6537 The CSR Advisor en 2014-02-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Medicare Secondary Payer laws after the SMART Act https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleso-youre-being-sued,6538 The CSR Advisor en 2014-02-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">So you’re being sued https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemonthly-quiz,6539 The CSR Advisor en 2014-02-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Monthly quiz https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlefiduciary-liability,6541 The CSR Advisor en 2014-03-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Fiduciary liability update https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemistakes-customers-make,6542 The CSR Advisor en 2014-03-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Mistakes customers make https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleencourage-customer,6543 The CSR Advisor en 2014-03-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Encourage customer loyalty https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlesudden-means,6544 The CSR Advisor en 2014-03-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">“Sudden” means sudden in water damage exclusion https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlewhen-a-producer-acts-as,6545 The CSR Advisor en 2014-03-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">When a producer acts as agent of the insured https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlegenetic-information,6546 The CSR Advisor en 2014-03-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Genetic Information Nondiscrimination Act https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemonthly-quiz,6547 The CSR Advisor en 2014-03-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Monthly quiz https://spcpub.com/stories/review-insurance-coverage-before-the-summer,6549 The CSR Advisor en 2014-04-01 Review insurance coverage before the summer https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlenumber-of-occurrences,6550 The CSR Advisor en 2014-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Number of occurrences https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleempathetic-listening,6551 The CSR Advisor en 2014-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Empathetic listening after a loss https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleuninsurable-home-means,6552 The CSR Advisor en 2014-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Uninsurable home means no agency negligence https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleduty-to-defend,6553 The CSR Advisor en 2014-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Duty to defend https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddletornado-safety,6554 The CSR Advisor en 2014-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Tornado safety https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddle,6555 The CSR Advisor en 2014-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">  https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemonthly-quiz,6556 The CSR Advisor en 2014-04-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Monthly quiz https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleprivacysecurity,6558 The CSR Advisor en 2014-05-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Privacy/security insurance https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleopting-out-of-workers,6559 The CSR Advisor en 2014-05-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Opting out of workers compensation system https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleincreasing-your,6560 The CSR Advisor en 2014-05-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Increasing your efficiency https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlecontinuous-loss-limited,6561 The CSR Advisor en 2014-05-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Continuous loss limited to pollution context https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleblanket-vs-specific,6562 The CSR Advisor en 2014-05-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Blanket vs. specific property coverage https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlecyber-crime,6563 The CSR Advisor en 2014-05-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Cyber crime https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemonthly-quiz,6564 The CSR Advisor en 2014-05-01 none;mso-layout-grid-align:none;text-autospace:none;vertical-align:middle">Monthly quiz https://spcpub.com/stories/do-insurance-marketplace,6566 The CSR Advisor en 2017-01-01 D&O insurance marketplace https://spcpub.com/stories/preexisting-medical-conditions-and-travel-insurance,6567 The CSR Advisor en 2017-01-01 Preexisting medical conditions and travel insurance https://spcpub.com/stories/reading-an-insurance-policy,6568 The CSR Advisor en 2017-01-01 Reading an insurance policy https://spcpub.com/stories/notice-requirement-and-prejudice,6569 The CSR Advisor en 2017-01-01 Notice requirement and prejudice https://spcpub.com/stories/source-of-water,6570 The CSR Advisor en 2017-01-01 Source of water https://spcpub.com/stories/duty-to-maintain,6571 The CSR Advisor en 2017-01-01 Duty to maintain https://spcpub.com/stories/monthly-quiz,6572 The CSR Advisor en 2017-01-01 Monthly quiz https://spcpub.com/stories/vacant-properties,6574 The CSR Advisor en 2018-05-01 Vacant Properties https://spcpub.com/stories/asbestos-litigation,6575 The CSR Advisor en 2018-05-01 Asbestos litigation https://spcpub.com/stories/therewere-4450-asbestos-filings-in-2017-compared-to-4812-in-2016-and-5336-in-2015,6576 The CSR Advisor en 2018-05-01 There were 4,450 asbestos filings in 2017, compared to 4,812 in 2016 and 5,336 in 2015. https://spcpub.com/stories/attending-a-professional-conference,6577 The CSR Advisor en 2018-05-01 Attending a professional conference https://spcpub.com/stories/a-look-at-the-law-,6578 The CSR Advisor en 2018-05-01 A look at the law … https://spcpub.com/stories/medical-marijuana-in-the-workplace,6579 The CSR Advisor en 2018-05-01 Medical marijuana in the workplace https://spcpub.com/stories/sinkhole-insurance,6580 The CSR Advisor en 2018-05-01 Sinkhole insurance https://spcpub.com/stories/monthly-quiz,6581 The CSR Advisor en 2018-05-01 Monthly Quiz https://spcpub.com/stories/personal-umbrellas,6583 The CSR Advisor en 2018-06-01 Personal umbrellas https://spcpub.com/stories/agency-liability-to-third-parties,6584 The CSR Advisor en 2018-06-01 Agency liability to third parties https://spcpub.com/stories/managing-interruptions-at-work,6585 The CSR Advisor en 2018-06-01 Managing interruptions at work https://spcpub.com/stories/a-look-at-the-law-,6586 The CSR Advisor en 2018-06-01 A look at the law … https://spcpub.com/stories/how-can-you-help-your-insureds-prepare-for-boating-season,6587 The CSR Advisor en 2018-06-01 How can you help your insureds prepare for boating season? https://spcpub.com/stories/emergency-services-and-rapid-response,6588 The CSR Advisor en 2018-06-01 Emergency services and rapid response https://spcpub.com/stories/monthly-quiz,6589 The CSR Advisor en 2018-06-01 Monthly quiz https://spcpub.com/stories/insuring-intellectual-property-risks,6591 The CSR Advisor en 2018-07-01 Insuring Intellectual Property Risks https://spcpub.com/stories/coverage-under-eo-and-do-insurance,6592 The CSR Advisor en 2018-07-01 Coverage under E&O and D&O insurance https://spcpub.com/stories/millennial-homeowners,6593 The CSR Advisor en 2018-07-01 Millennial homeowners https://spcpub.com/stories/court-rules-volunteer-driver-for-transit-authority-is-not-eligible-for-workers-comp,6594 The CSR Advisor en 2018-07-01 Court rules volunteer driver for transit authority is not eligible for workers comp https://spcpub.com/stories/intentional-pollutant-discharges,6595 The CSR Advisor en 2018-07-01 Intentional pollutant discharges https://spcpub.com/stories/wedding-insurance,6596 The CSR Advisor en 2018-07-01 Wedding insurance https://spcpub.com/stories/monthly-quiz,6597 The CSR Advisor en 2018-07-01 Monthly quiz https://spcpub.com/stories/coverage-for-construction-defects,6599 The CSR Advisor en 2018-08-01  Coverage for construction defects https://spcpub.com/stories/government-seizure-of-property-used-in-crimes,6600 The CSR Advisor en 2018-08-01 Government seizure of property used in crimes https://spcpub.com/stories/preventing-sexual-harassment-in-the-workplace,6601 The CSR Advisor en 2018-08-01 Preventing sexual harassment in the workplace https://spcpub.com/stories/maine-employers-not-obligated-to-fund-medical-marijuana,6602 The CSR Advisor en 2018-08-01 Maine employers not obligated to fund medical marijuana https://spcpub.com/stories/justices-joseph-jabar-and-donald-alexanderdissented-jabar-said-he-did-not-see-a-conflict-between,6603 The CSR Advisor en 2018-08-01 Justices Joseph Jabar and Donald Alexander dissented. Jabar said he did not see a conflict between state and federal laws in the case because the employer was merely reimbursing an employee for medical costs and that the company wouldn’t be seen as compli https://spcpub.com/stories/unexplained-injury-and-workers-compensation,6604 The CSR Advisor en 2018-08-01 Unexplained injury and workers compensation https://spcpub.com/stories/burglary-prevention,6605 The CSR Advisor en 2018-08-01 Burglary prevention https://spcpub.com/stories/dog-bite-liability,6607 The CSR Advisor en 2018-09-01 Dog bite liability https://spcpub.com/stories/benefits-of-timely-workers-compensation-claims-reporting,6608 The CSR Advisor en 2018-09-01 Benefits of timely workers compensation claims reporting https://spcpub.com/stories/taking-advantage-of-your-performance-review,6609 The CSR Advisor en 2018-09-01 Taking advantage of your performance review https://spcpub.com/stories/financial-loss-not-covered-by-property-insurance-policy,6610 The CSR Advisor en 2018-09-01 Financial loss not covered by property insurance policy https://spcpub.com/stories/condo-insurance,6611 The CSR Advisor en 2018-09-01 Condo insurance https://spcpub.com/stories/what-to-do-after-a-car-accident,6612 The CSR Advisor en 2018-09-01 What to do after a car accident https://spcpub.com/stories/monthly-quiz,6613 The CSR Advisor en 2018-09-01 Monthly quiz https://spcpub.com/stories/underground-storage-tank-exposures,6615 The CSR Advisor en 2018-10-01 Underground storage tank exposures https://spcpub.com/stories/should-a-homeowner-remove-an-underground-tank,6616 The CSR Advisor en 2018-10-01 Should a homeowner remove an underground tank? https://spcpub.com/stories/use-of-predictive-analytics-on-the-rise,6617 The CSR Advisor en 2018-10-01 Use of predictive analytics on the rise https://spcpub.com/stories/learning-to-say-no-at-work,6618 The CSR Advisor en 2018-10-01 Learning to say no at work https://spcpub.com/stories/additional-insured-status,6619 The CSR Advisor en 2018-10-01 Additional insured status https://spcpub.com/stories/insuring-a-food-truck,6620 The CSR Advisor en 2018-10-01 Insuring a food truck https://spcpub.com/stories/collisions-between-deer-and-vehicles,6621 The CSR Advisor en 2018-10-01 Collisions between deer and vehicles https://spcpub.com/stories/monthly-quiz,6622 The CSR Advisor en 2018-10-01 Monthly quiz https://spcpub.com/stories/sharing-your-car-or-your-home,6624 The CSR Advisor en 2018-11-01 Sharing your car or your home https://spcpub.com/stories/mitigating-data-breaches,6625 The CSR Advisor en 2018-11-01 Mitigating data breaches https://spcpub.com/stories/public-speaking-tips,6626 The CSR Advisor en 2018-11-01 Public speaking tips https://spcpub.com/stories/court-rejects-narrow-reading-of-pollution-exclusion,6627 The CSR Advisor en 2018-11-01 Court rejects narrow reading of pollution exclusion https://spcpub.com/stories/your-insureds-workplace-pre-emergency-planning,6628 The CSR Advisor en 2018-11-01 Your insured’s workplace pre-emergency planning https://spcpub.com/stories/first-time-homeowner-tips,6629 The CSR Advisor en 2018-11-01 First-time homeowner tips https://spcpub.com/stories/employment-practices-liability,6631 The CSR Advisor en 2018-12-01 Employment practices liability https://spcpub.com/stories/winterizing-your-house,6633 The CSR Advisor en 2018-12-01 Winterizing your house https://spcpub.com/stories/,6632 The CSR Advisor en 2018-12-01   https://spcpub.com/stories/encourage-customer-loyalty,6634 The CSR Advisor en 2018-12-01 Encourage customer loyalty https://spcpub.com/stories/court-rules-use-of-athletes-name-is-a-covered-advertising-idea,6635 The CSR Advisor en 2018-12-01 Court rules use of athlete’s name is a covered “advertising idea”  https://spcpub.com/stories/excess-or-umbrella-liability-insurance,6636 The CSR Advisor en 2018-12-01 Excess or umbrella liability insurance https://spcpub.com/stories/teen-drivers,6637 The CSR Advisor en 2018-12-01 Teen drivers https://spcpub.com/stories/monthly-quiz,6638 The CSR Advisor en 2018-12-01 Monthly quiz https://spcpub.com/stories/earthquakes-and-lack-of-coverage-implications,6640 The CSR Advisor en 2019-01-01 Earthquakes and lack of coverage implications https://spcpub.com/stories/preparing-for-an-earthquake,6641 The CSR Advisor en 2019-01-01 Preparing for an earthquake https://spcpub.com/stories/large-deductible-programs-for-workers-compensation,6642 The CSR Advisor en 2019-01-01 Large deductible programs for workers compensation https://spcpub.com/stories/competing-against-direct-writers,6643 The CSR Advisor en 2019-01-01 Competing against direct writers https://spcpub.com/stories/policy-language-should-be-accorded-its-ordinary-meaning,6644 The CSR Advisor en 2019-01-01 Policy language should be accorded its ordinary meaning https://spcpub.com/stories/home-remodeling,6645 The CSR Advisor en 2019-01-01 Home remodeling https://spcpub.com/stories/dockless-electric-scooters-trendy-and-risky,6646 The CSR Advisor en 2019-01-01 Dockless electric scooters – trendy and risky? https://spcpub.com/stories/monthly-quiz,6647 The CSR Advisor en 2019-01-01 Monthly quiz https://spcpub.com/stories/small-lodging-business-insurance,6648 The CSR Advisor en 2019-02-01 Small lodging business insurance https://spcpub.com/stories/commissions-and-cheapest-coverage,6649 The CSR Advisor en 2019-02-01 Commissions and cheapest coverage https://spcpub.com/stories/competing-against-direct-writers,6650 The CSR Advisor en 2019-02-01 Competing against direct writers https://spcpub.com/stories/fracking-risks-and-insurance,6656 The CSR Advisor en 2019-03-01 Fracking risks and insurance https://spcpub.com/stories/opting-out-of-the-workers-compensation-system,6658 The CSR Advisor en 2019-03-01 Opting out of the workers compensation system https://spcpub.com/stories/privacy-and-the-workplace,6659 The CSR Advisor en 2019-03-01 Privacy and the workplace https://spcpub.com/stories/flooding-and-surface-water-exclusions,6660 The CSR Advisor en 2019-03-01 Flooding and surface water exclusions https://spcpub.com/stories/no-coverage-for-a-claim-of-impairment-of-goodwill-under-defamation-endorsement,6651 The CSR Advisor en 2019-02-01 No coverage for a claim of impairment of goodwill under defamation endorsement https://spcpub.com/stories/assessing-an-old-roof,6652 The CSR Advisor en 2019-02-01 Assessing an old roof https://spcpub.com/stories/curbing-aggressive-driving,6653 The CSR Advisor en 2019-02-01 Curbing aggressive driving https://spcpub.com/stories/monthly-quiz,6654 The CSR Advisor en 2019-02-01 Monthly quiz https://spcpub.com/stories/,6657 The CSR Advisor en 2019-03-01   https://spcpub.com/stories/when-a-producer-acts-as-agent-of-the-insured,6661 The CSR Advisor en 2019-03-01 When a producer acts as agent of the insured https://spcpub.com/stories/insurance-binders,6662 The CSR Advisor en 2019-03-01 Insurance binders https://spcpub.com/stories/monthly-quiz,6663 The CSR Advisor en 2019-03-01 Monthly quiz https://spcpub.com/stories/review-insurance-coverage-before-the-summer,6665 The CSR Advisor en 2019-04-01 Review insurance coverage before the summer https://spcpub.com/stories/duty-to-read-an-insurance-policy,6667 The CSR Advisor en 2019-04-01 Duty to read an insurance policy https://spcpub.com/stories/copyright-infringement-on-your-agency-website,6668 The CSR Advisor en 2019-04-01 Copyright infringement on your agency website https://spcpub.com/stories/court-rejects-insurance-companys-misuse-of-other-insurance-provision,6669 The CSR Advisor en 2019-04-01 Court rejects insurance company’s misuse of “other insurance” provision  https://spcpub.com/stories/legal-terms,6670 The CSR Advisor en 2019-04-01 Legal terms https://spcpub.com/stories/whose-insurance-will-respond,6671 The CSR Advisor en 2019-04-01 Whose insurance will respond? https://spcpub.com/stories/foreclosures-and-coverage,6672 The CSR Advisor en 2019-04-01 Foreclosures and coverage https://spcpub.com/stories/,6666 The CSR Advisor en 2019-04-01   https://spcpub.com/stories/monthly-quiz,6673 The CSR Advisor en 2019-04-01 Monthly quiz https://spcpub.com/stories/political-risk-insurance,6675 The CSR Advisor en 2019-05-01 Political risk insurance  https://spcpub.com/stories/eo-tips-to-make-you-a-better-csr,6676 The CSR Advisor en 2019-05-01 E&O tips to make you a better CSR https://spcpub.com/stories/cures-for-procrastination-at-work,6677 The CSR Advisor en 2019-05-01 Cures for procrastination at work https://spcpub.com/stories/court-rules-cryptocurrency-is-personal-property-not-money,6678 The CSR Advisor en 2019-05-01 Court rules cryptocurrency is personal property — not money https://spcpub.com/stories/what-is-cryptocurrency,6679 The CSR Advisor en 2019-05-01 What is cryptocurrency? https://spcpub.com/stories/employees-driving-their-own-vehicles,6680 The CSR Advisor en 2019-05-01 Employees driving their own vehicles  https://spcpub.com/stories/help-insureds-avoid-bicycle-theft,6681 The CSR Advisor en 2019-05-01 Help insureds avoid bicycle theft  https://spcpub.com/stories/monthly-quiz,6682 The CSR Advisor en 2019-05-01 Monthly quiz https://spcpub.com/stories/insuring-property-when-you-move,6684 The CSR Advisor en 2019-06-01 Insuring property when you move https://spcpub.com/stories/residential-fire-sprinklers,6686 The CSR Advisor en 2019-06-01 Residential fire sprinklers https://spcpub.com/stories/better-business-grammar,6687 The CSR Advisor en 2019-06-01 Better business grammar  https://spcpub.com/stories/court-dismisses-salmonella-outbreak-suit,6688 The CSR Advisor en 2019-06-01 Court dismisses salmonella outbreak suit https://spcpub.com/stories/what-is-salmonella,6689 The CSR Advisor en 2019-06-01 What is Salmonella? https://spcpub.com/stories/,6685 The CSR Advisor en 2019-06-01   https://spcpub.com/stories/coverage-for-bloggers,6690 The CSR Advisor en 2019-06-01 Coverage for bloggers https://spcpub.com/stories/duties-after-a-loss,6691 The CSR Advisor en 2019-06-01 Duties after a loss https://spcpub.com/stories/monthly-quiz,6692 The CSR Advisor en 2019-06-01 Monthly quiz https://spcpub.com/stories/insuring-smart-homes,6694 The CSR Advisor en 2019-07-01 Insuring smart homes  https://spcpub.com/stories/securing-your-mobile-device,6695 The CSR Advisor en 2019-07-01 Securing your mobile device https://spcpub.com/stories/empathetic-listening-after-a-loss,6696 The CSR Advisor en 2019-07-01 Empathetic listening after a loss https://spcpub.com/stories/amazon-not-liable-for-defective-products-sold-on-its-website-by-third-parties,6697 The CSR Advisor en 2019-07-01 Amazon not liable for defective products sold on its website by third parties  https://spcpub.com/stories/golf-cart-liability,6698 The CSR Advisor en 2019-07-01 Golf cart liability https://spcpub.com/stories/golf-cart-injuries,6699 The CSR Advisor en 2019-07-01 Golf Cart Injuries https://spcpub.com/stories/pool-safety,6700 The CSR Advisor en 2019-07-01 Pool safety https://spcpub.com/stories/monthly-quiz,6701 The CSR Advisor en 2019-07-01 Monthly quiz https://spcpub.com/stories/,6703 The CSR Advisor en 2019-08-01   https://spcpub.com/stories/condo-coverage-and-responsibilities,6705 The CSR Advisor en 2019-08-01 Condo coverage and responsibilities https://spcpub.com/stories/cancellation-or-nonrenewal,6706 The CSR Advisor en 2019-08-01 Cancellation or nonrenewal https://spcpub.com/stories/conducting-effective-business-meetings,6707 The CSR Advisor en 2019-08-01 Conducting effective business meetings https://spcpub.com/stories/underinsured-motorist-provision-provides-coverage-in-farm-tractor-accident,6708 The CSR Advisor en 2019-08-01 Underinsured motorist provision provides coverage in farm tractor accident https://spcpub.com/stories/motorcycle-coverage,6709 The CSR Advisor en 2019-08-01 Motorcycle coverage https://spcpub.com/stories/legal-vocabulary,6710 The CSR Advisor en 2019-08-01 Legal vocabulary https://spcpub.com/stories/the-term-damages-in-the-context-of-a-court-case-refers-to-the-money-awarded-to-a-plaintiff-as,6711 The CSR Advisor en 2019-08-01 The term “damages” in the context of a court case refers to the money awarded to a plaintiff as reparation for some injury — whether bodily injury, property damage, or damage to reputation. There are two broad categories of damages. https://spcpub.com/stories/untitled,6712 The CSR Advisor en 2019-08-01 https://spcpub.com/stories/compensatory-damages-are-the-amounts-that-insurance-is-intended-to-cover-the-intent-is-to,6713 The CSR Advisor en 2019-08-01 Compensatory damages are the amounts that insurance is intended to cover. The intent is to indemnify the plaintiff — to put him or her back in the same financial condition that he or she was in before the loss. https://spcpub.com/stories/,6704 The CSR Advisor en 2019-08-01   https://spcpub.com/stories/-punitive-or-exemplary-damages-are-awarded-to-punish-the-person-or-company-responsible-for-the,6714 The CSR Advisor en 2019-08-01 • Punitive or exemplary damages are awarded to punish the person or company responsible for the injury. They are usually awarded in addition to compensatory damages. These are the costs that often drive awards into the multimillion dollar level. Generally https://spcpub.com/stories/documenting-social-media-exchanges,6715 The CSR Advisor en 2019-08-01 Documenting social media exchanges https://spcpub.com/stories/monthly-quiz,6716 The CSR Advisor en 2019-08-01 Monthly Quiz https://spcpub.com/stories/mold-and-property-coverages,6718 The CSR Advisor en 2019-09-01 Mold and property coverages https://spcpub.com/stories/number-of-occurrences,6720 The CSR Advisor en 2019-09-01 Number of occurrences https://spcpub.com/stories/greening-your-office,6721 The CSR Advisor en 2019-09-01 Greening your office https://spcpub.com/stories/,6719 The CSR Advisor en 2019-09-01   https://spcpub.com/stories/court-rules-for-carrier-in-blood-relative-auto-case,6722 The CSR Advisor en 2019-09-01 Court rules for carrier in “blood relative” auto case https://spcpub.com/stories/travel-insurance-hazards,6723 The CSR Advisor en 2019-09-01 Travel insurance hazards  https://spcpub.com/stories/so-youre-being-sued,6724 The CSR Advisor en 2019-09-01 So you’re being sued https://spcpub.com/stories/monthly-quiz,6725 The CSR Advisor en 2019-09-01 Monthly quiz https://spcpub.com/stories/preparing-for-the-busy-season-insuring-fluctuating-property-values,6727 The CSR Advisor en 2019-10-01 Preparing for the busy season — insuring fluctuating property values https://spcpub.com/stories/explaining-gap-insurance,6729 The CSR Advisor en 2019-10-01 Explaining GAP insurance https://spcpub.com/stories/the-benefits-of-networking,6730 The CSR Advisor en 2019-10-01 The benefits of networking https://spcpub.com/stories/insurance-settlements-undermine-insureds-case,6731 The CSR Advisor en 2019-10-01 Insurance settlements undermine insured’s case https://spcpub.com/stories/explaining-catastrophe-models-to-your-insureds,6732 The CSR Advisor en 2019-10-01 Explaining catastrophe models to your insureds https://spcpub.com/stories/,6728 The CSR Advisor en 2019-10-01   https://spcpub.com/stories/emergency-services-and-rapid-response,6733 The CSR Advisor en 2019-10-01 Emergency services and rapid response https://spcpub.com/stories/monthly-quiz,6734 The CSR Advisor en 2019-10-01 Monthly quiz https://spcpub.com/stories/conditions-in-crime-insurance-policies,6736 The CSR Advisor en 2019-11-01 Conditions in crime insurance policies https://spcpub.com/stories/public-adjusters,6738 The CSR Advisor en 2019-11-01 Public adjusters https://spcpub.com/stories/managing-your-email-inbox,6739 The CSR Advisor en 2019-11-01 Managing your email inbox https://spcpub.com/stories/appellate-court-rules-against-carrier-in-cancellation-conflict-case,6740 The CSR Advisor en 2019-11-01 Appellate court rules against carrier in cancellation conflict case  https://spcpub.com/stories/,6737 The CSR Advisor en 2019-11-01   https://spcpub.com/stories/your-insureds-pre-emergency-planning,6741 The CSR Advisor en 2019-11-01 Your insured’s pre-emergency planning https://spcpub.com/stories/duties-after-a-loss,6742 The CSR Advisor en 2019-11-01 Duties after a loss https://spcpub.com/stories/monthly-quiz,6743 The CSR Advisor en 2019-11-01 Monthly quiz https://spcpub.com/stories/,6745 The CSR Advisor en 2019-12-01   https://spcpub.com/stories/,6746 The CSR Advisor en 2019-12-01   https://spcpub.com/stories/insuring-and-preventing-winter-damages,6747 The CSR Advisor en 2019-12-01 Insuring and preventing winter damages https://spcpub.com/stories/crop-insurance,6749 The CSR Advisor en 2019-12-01 Crop insurance https://spcpub.com/stories/untitled,6750 The CSR Advisor en 2019-12-01 https://spcpub.com/stories/,6751 The CSR Advisor en 2019-12-01   https://spcpub.com/stories/socializing-with-customers,6752 The CSR Advisor en 2019-12-01 Socializing with customers https://spcpub.com/stories/court-rules-that-repair-costs-are-not-damages,6753 The CSR Advisor en 2019-12-01 Court rules that repair costs are not damages https://spcpub.com/stories/home-remodeling,6754 The CSR Advisor en 2019-12-01 Home remodeling https://spcpub.com/stories/,6748 The CSR Advisor en 2019-12-01   https://spcpub.com/stories/millennials-more-likely-to-buy-flood-insurance-than-older-generations,6755 The CSR Advisor en 2019-12-01 Millennials more likely to buy flood insurance than older generations https://spcpub.com/stories/monthly-quiz,6756 The CSR Advisor en 2019-12-01 Monthly quiz https://spcpub.com/stories/real-property-leasing-exposures,6758 The CSR Advisor en 2020-01-01  Real property leasing exposures https://spcpub.com/stories/an-agents-duties,6760 The CSR Advisor en 2020-01-01 An agent’s duties https://spcpub.com/stories/,6759 The CSR Advisor en 2020-01-01   https://spcpub.com/stories/avoiding-phishing-scams,6761 The CSR Advisor en 2020-01-01 Avoiding phishing scams https://spcpub.com/stories/court-upholds-collapse-exclusion-for-crumbling-foundations,6762 The CSR Advisor en 2020-01-01 Court upholds collapse exclusion for crumbling foundations https://spcpub.com/stories/excess-or-umbrella-liability-insurance,6763 The CSR Advisor en 2020-01-01 Excess or umbrella liability insurance https://spcpub.com/stories/long-term-leaks,6764 The CSR Advisor en 2020-01-01 Long-term leaks https://spcpub.com/stories/monthly-quiz,6765 The CSR Advisor en 2020-01-01 Monthly quiz https://spcpub.com/stories/insuring-a-trust-under-a-homeowners-policy,6767 The CSR Advisor en 2020-02-01 Insuring a trust under a homeowners policy https://spcpub.com/stories/what-does-it-mean,6769 The CSR Advisor en 2020-02-01 What does it mean? https://spcpub.com/stories/federal-compensation-laws,6770 The CSR Advisor en 2020-02-01 Federal compensation laws https://spcpub.com/stories/the-multigenerational-workforce,6771 The CSR Advisor en 2020-02-01 The multigenerational workforce https://spcpub.com/stories/consent-to-settle-clause-in-professional-liability-policy-upheld,6772 The CSR Advisor en 2020-02-01 Consent-to-settle clause in professional liability policy upheld https://spcpub.com/stories/getting-the-names-right,6773 The CSR Advisor en 2020-02-01 Getting the names right https://spcpub.com/stories/creating-a-positive-workplace,6774 The CSR Advisor en 2020-02-01 Creating a positive workplace https://spcpub.com/stories/,6768 The CSR Advisor en 2020-02-01   https://spcpub.com/stories/monthly-quiz,6775 The CSR Advisor en 2020-02-01 Monthly quiz https://spcpub.com/stories/builders-risk-insurance,6777 The CSR Advisor en 2020-03-01 Builders risk insurance https://spcpub.com/stories/excess-and-surplus-lines-insurance,6778 The CSR Advisor en 2020-03-01 Excess and surplus lines insurance https://spcpub.com/stories/looking-past-the-price,6779 The CSR Advisor en 2020-03-01 Looking past the price https://spcpub.com/stories/carrier-not-liable-for-hole-in-one-prize,6780 The CSR Advisor en 2020-03-01 Carrier not liable for hole-in-one prize https://spcpub.com/stories/additional-living-expenses,6781 The CSR Advisor en 2020-03-01 Additional living expenses https://spcpub.com/stories/avoiding-floodwaters,6782 The CSR Advisor en 2020-03-01 Avoiding floodwaters https://spcpub.com/stories/monthly-quiz,6783 The CSR Advisor en 2020-03-01 Monthly quiz https://spcpub.com/stories/,6785 The CSR Advisor en 2020-04-01   https://spcpub.com/stories/how-do-pandemics-affect-insurance-coverage,6786 The CSR Advisor en 2020-04-01 How do pandemics affect insurance coverage? https://spcpub.com/stories/,6787 The CSR Advisor en 2020-04-01   https://spcpub.com/stories/fracking-and-your-property-insureds,6788 The CSR Advisor en 2020-04-01 Fracking and your property insureds https://spcpub.com/stories/cyber-risks-and-you,6789 The CSR Advisor en 2020-04-01 Cyber risks and you https://spcpub.com/stories/court-finds-cover-for-ransomware-loss-in-traditional-bop,6790 The CSR Advisor en 2020-04-01 Court finds cover for ransomware loss in traditional BOP https://spcpub.com/stories/stand-alone-tail-or-extended-reporting-period,6791 The CSR Advisor en 2020-04-01 Stand-alone tail or extended reporting period https://spcpub.com/stories/asleep-at-the-wheel,6792 The CSR Advisor en 2020-04-01 Asleep at the wheel https://spcpub.com/stories/monthly-quiz,6793 The CSR Advisor en 2020-04-01 Monthly quiz https://spcpub.com/stories/leasing-and-property-insurance-obligations,6795 The CSR Advisor en 2020-05-01  Leasing and property insurance obligations https://spcpub.com/stories/the-role-of-insurance-in-risk-management,6797 The CSR Advisor en 2020-05-01 The role of insurance in risk management https://spcpub.com/stories/coping-with-the-stress-of-covid-19-pandemic,6798 The CSR Advisor en 2020-05-01 Coping with the stress of COVID-19 pandemic https://spcpub.com/stories/texas-supreme-court-reaffirms-eight-corners-rule,6799 The CSR Advisor en 2020-05-01 Texas supreme court reaffirms eight-corners rule https://spcpub.com/stories/,6796 The CSR Advisor en 2020-05-01   https://spcpub.com/stories/can-an-insured-sell-a-business-before-a-claim-is-settled,6800 The CSR Advisor en 2020-05-01 Can an insured sell a business before a claim is settled? https://spcpub.com/stories/teenage-drivers-and-insurance-changes,6801 The CSR Advisor en 2020-05-01 Teenage drivers and insurance changes https://spcpub.com/stories/monthly-quiz,6802 The CSR Advisor en 2020-05-01 Monthly quiz https://spcpub.com/stories/insuring-historic-homes,6804 The CSR Advisor en 2020-06-01 Insuring historic homes https://spcpub.com/stories/travel-insurance-usually-does-not-provide-coverage-for-pandemics,6806 The CSR Advisor en 2020-06-01 Travel insurance usually does not provide coverage for pandemics https://spcpub.com/stories/,6805 The CSR Advisor en 2020-06-01   https://spcpub.com/stories/saving-for-retirement,6807 The CSR Advisor en 2020-06-01 Saving for retirement https://spcpub.com/stories/,6808 The CSR Advisor en 2020-06-01   https://spcpub.com/stories/court-dismisses-alleged-misleading-cereal-advertising-case,6809 The CSR Advisor en 2020-06-01 Court dismisses alleged misleading cereal advertising case https://spcpub.com/stories/professional-liability-policies-in-retirement,6810 The CSR Advisor en 2020-06-01 Professional liability policies in retirement https://spcpub.com/stories/hurricane-preparedness-tips,6811 The CSR Advisor en 2020-06-01 Hurricane preparedness tips https://spcpub.com/stories/monthly-quiz,6812 The CSR Advisor en 2020-06-01 Monthly quiz https://spcpub.com/stories/privacycybersecurity-insurance,6814 The CSR Advisor en 2020-07-01 Privacy/cybersecurity insurance https://spcpub.com/stories/recovering-diminished-value,6815 The CSR Advisor en 2020-07-01 Recovering diminished value https://spcpub.com/stories/online-meeting-etiquette,6816 The CSR Advisor en 2020-07-01 Online meeting etiquette https://spcpub.com/stories/overbroad-breach-of-contract-exclusion-renders-eo-coverage-illusory,6817 The CSR Advisor en 2020-07-01 Overbroad breach of contract exclusion renders E&O coverage illusory https://spcpub.com/stories/severability-of-insurance,6818 The CSR Advisor en 2020-07-01 Severability of insurance https://spcpub.com/stories/pre-emergency-planning,6819 The CSR Advisor en 2020-07-01 Pre-emergency planning https://spcpub.com/stories/monthly-quiz,6820 The CSR Advisor en 2020-07-01 Monthly quiz https://spcpub.com/stories/home-based-farming-operations,6822 The CSR Advisor en 2020-08-01 Home-based farming operations https://spcpub.com/stories/liability-coverage-for-illegal-phone-solicitations,6823 The CSR Advisor en 2020-08-01 Liability coverage for illegal phone solicitations https://spcpub.com/stories/online-agency-reviews,6824 The CSR Advisor en 2020-08-01 Online agency reviews https://spcpub.com/stories/judge-rejects-covid-19-business-interruption-claim,6825 The CSR Advisor en 2020-08-01 Judge rejects COVID-19 business interruption claim https://spcpub.com/stories/what-do-insureds-need-to-know-about-insuring-recreational-vehicles,6826 The CSR Advisor en 2020-08-01 What do insureds need to know about insuring recreational vehicles? https://spcpub.com/stories/domestic-violence-in-the-workplace,6827 The CSR Advisor en 2020-08-01 Domestic violence in the workplace https://spcpub.com/stories/monthly-quiz,6828 The CSR Advisor en 2020-08-01 Monthly quiz https://spcpub.com/stories/riot-vandalism-and-civil-commotion-insurance,6830 The CSR Advisor en 2020-09-01 Riot, vandalism and civil commotion insurance https://spcpub.com/stories/social-media-analytics,6831 The CSR Advisor en 2020-09-01 Social media analytics https://spcpub.com/stories/improving-your-worklife-balance,6832 The CSR Advisor en 2020-09-01 Improving your work/life balance https://spcpub.com/stories/judicial-panel-dismisses-motion-for-consolidating-covid-19-bi-litigation,6833 The CSR Advisor en 2020-09-01 Judicial panel dismisses motion for consolidating COVID-19 BI litigation https://spcpub.com/stories/the-us-judicial-panel-on-multidistrict-litigation,6834 The CSR Advisor en 2020-09-01 The U.S. Judicial Panel on Multidistrict Litigation  https://spcpub.com/stories/electronic-equipment-in-vehicles,6835 The CSR Advisor en 2020-09-01 Electronic equipment in vehicles  https://spcpub.com/stories/using-cloud-services,6836 The CSR Advisor en 2020-09-01 Using cloud services https://spcpub.com/stories/monthly-quiz,6837 The CSR Advisor en 2020-09-01 Monthly quiz  https://spcpub.com/stories/sharing-your-car-or-your-home,6839 The CSR Advisor en 2020-10-01 Sharing your car or your home https://spcpub.com/stories/event-cancellation-insurance,6840 The CSR Advisor en 2020-10-01 Event cancellation insurance  https://spcpub.com/stories/eo-exposure-in-advocating-for-clients,6841 The CSR Advisor en 2020-10-01 E&O exposure in advocating for clients  https://spcpub.com/stories/court-rules-term-not-defined-is-not-ambiguous,6842 The CSR Advisor en 2020-10-01 Court rules term not defined is not ambiguous https://spcpub.com/stories/workers-compensation-and-volunteers,6843 The CSR Advisor en 2020-10-01 Workers compensation and volunteers https://spcpub.com/stories/protecting-your-identity-on-social-media,6844 The CSR Advisor en 2020-10-01 Protecting your identity on social media https://spcpub.com/stories/monthly-quiz,6845 The CSR Advisor en 2020-10-01 Monthly quiz https://spcpub.com/stories/leased-employee-and-temp-worker-exposures,6847 The CSR Advisor en 2020-11-01 Leased employee and temp worker exposures https://spcpub.com/stories/misclassification-of-independent-contractors,6848 The CSR Advisor en 2020-11-01 Misclassification of independent contractors https://spcpub.com/stories/when-can-an-insurer-cancel-a-policy,6849 The CSR Advisor en 2020-11-01 When can an insurer cancel a policy? https://spcpub.com/stories/continuing-your-education,6850 The CSR Advisor en 2020-11-01 Continuing your education https://spcpub.com/stories/restaurant-wins-decision-on-bi-coverage,6851 The CSR Advisor en 2020-11-01 Restaurant wins decision on BI coverage https://spcpub.com/stories/auto-policy-terms,6852 The CSR Advisor en 2020-11-01 Auto policy terms https://spcpub.com/stories/long-term-leaks,6853 The CSR Advisor en 2020-11-01 Long-term leaks https://spcpub.com/stories/monthly-quiz,6854 The CSR Advisor en 2020-11-01 Monthly quiz https://spcpub.com/stories/insuring-property-when-you-move,6856 The CSR Advisor en 2020-12-01 Insuring property when you move https://spcpub.com/stories/the-risk-management-process,6857 The CSR Advisor en 2020-12-01 The risk management process https://spcpub.com/stories/avoiding-job-burnout,6858 The CSR Advisor en 2020-12-01 Avoiding job burnout https://spcpub.com/stories/no-duty-to-defend-when-claims-are-not-the-result-of-an-occurrence,6859 The CSR Advisor en 2020-12-01 No duty to defend when claims are not the result of an occurrence https://spcpub.com/stories/how-does-the-appraisal-clause-work,6860 The CSR Advisor en 2020-12-01 How does the appraisal clause work?  https://spcpub.com/stories/reading-the-policy,6861 The CSR Advisor en 2020-12-01 Reading the policy https://spcpub.com/stories/monthly-quiz,6862 The CSR Advisor en 2020-12-01 Monthly quiz https://spcpub.com/stories/crime-insurance-policy-conditions,6864 The CSR Advisor en 2021-01-01 Crime insurance policy conditions https://spcpub.com/stories/large-deductible-programs,6865 The CSR Advisor en 2021-01-01 Large deductible programs https://spcpub.com/stories/how-to-prioritize-work,6866 The CSR Advisor en 2021-01-01 How to prioritize work https://spcpub.com/stories/court-rejects-novel-standard-for-work-from-home-injury-claim,6867 The CSR Advisor en 2021-01-01 Court rejects novel standard for work-from-home injury claim https://spcpub.com/stories/additional-living-expenses,6868 The CSR Advisor en 2021-01-01 Additional living expenses https://spcpub.com/stories/returning-to-the-workplace-during-the-pandemic,6869 The CSR Advisor en 2021-01-01 Returning to the workplace during the pandemic https://spcpub.com/stories/monthly-quiz,6870 The CSR Advisor en 2021-01-01 Monthly quiz https://spcpub.com/stories/pollution-coverage-gaps,6872 The CSR Advisor en 2021-02-01 Pollution coverage gaps https://spcpub.com/stories/winter-storm-coverage,6873 The CSR Advisor en 2021-02-01 Winter storm coverage https://spcpub.com/stories/the-art-of-persuasion,6874 The CSR Advisor en 2021-02-01 The art of persuasion https://spcpub.com/stories/naic-amends-unfair-trade-practices-model-law-to-allow-for-certain-exceptions-to-anti-rebating,6875 The CSR Advisor en 2021-02-01 NAIC amends unfair trade practices model law to allow for certain exceptions to anti-rebating restrictions  https://spcpub.com/stories/unexplained-injury-and-workers-compensation,6876 The CSR Advisor en 2021-02-01 Unexplained injury and workers compensation https://spcpub.com/stories/outdoor-heater-safety,6877 The CSR Advisor en 2021-02-01 Outdoor heater safety  https://spcpub.com/stories/monthly-quiz,6878 The CSR Advisor en 2021-02-01 Monthly quiz https://spcpub.com/stories/what-is-an-insured-contract,6880 The CSR Advisor en 2021-03-01 What is an insured contract? https://spcpub.com/stories/an-atypical-hard-market,6881 The CSR Advisor en 2021-03-01 An atypical hard market  https://spcpub.com/stories/how-sleep-affects-your-work,6882 The CSR Advisor en 2021-03-01 How sleep affects your work https://spcpub.com/stories/did-you-know,6883 The CSR Advisor en 2021-03-01 Did you know? https://spcpub.com/stories/when-does-the-impaired-property-exclusion-apply,6884 The CSR Advisor en 2021-03-01 When does the impaired property exclusion apply? https://spcpub.com/stories/insurer-right-to-repair,6885 The CSR Advisor en 2021-03-01 Insurer right to repair https://spcpub.com/stories/monthly-quiz,6886 The CSR Advisor en 2021-03-01 Monthly quiz https://spcpub.com/stories/time-to-think-about-spring-flooding,6888 The CSR Advisor en 2021-04-01 Time to think about spring flooding  https://spcpub.com/stories/insuring-storage-units,6889 The CSR Advisor en 2021-04-01 Insuring storage units https://spcpub.com/stories/tips-for-car-storage,6890 The CSR Advisor en 2021-04-01 Tips for car storage https://spcpub.com/stories/marketing-rental-insurance,6891 The CSR Advisor en 2021-04-01 Marketing rental insurance https://spcpub.com/stories/assessing-the-risks-of-owning-a-pet,6892 The CSR Advisor en 2021-04-01 Assessing the risks of owning a pet https://spcpub.com/stories/what-to-do-after-an-auto-theft,6893 The CSR Advisor en 2021-04-01 What to do after an auto theft https://spcpub.com/stories/monthly-quiz,6894 The CSR Advisor en 2021-04-01 Monthly quiz https://spcpub.com/stories/insuring-home-businesses,6896 The CSR Advisor en 2021-05-01 Insuring home businesses https://spcpub.com/stories/what-is-a-business,6897 The CSR Advisor en 2021-05-01 What is a business? https://spcpub.com/stories/the-mail-coverage-form,6898 The CSR Advisor en 2021-05-01 The mail coverage form https://spcpub.com/stories/making-networking-a-top-priority,6899 The CSR Advisor en 2021-05-01 Making networking a top priority https://spcpub.com/stories/the-spouses-of-directors-and-officers,6900 The CSR Advisor en 2021-05-01 The spouses of directors and officers https://spcpub.com/stories/homeowner-hazards,6901 The CSR Advisor en 2021-05-01 Homeowner hazards https://spcpub.com/stories/did-you-know,6902 The CSR Advisor en 2021-05-01 Did you know? https://spcpub.com/stories/monthly-quiz,6903 The CSR Advisor en 2021-05-01 Monthly Quiz https://spcpub.com/stories/insuring-recreational-boats,6905 The CSR Advisor en 2021-06-01 Insuring recreational boats https://spcpub.com/stories/understanding-blanket-insurance,6913 The CSR Advisor en 2021-07-01 Understanding blanket insurance https://spcpub.com/stories/loss-limitations,6914 The CSR Advisor en 2021-07-01 Loss limitations https://spcpub.com/stories/accurate-geospatial-data-key-to-risk-management,6906 The CSR Advisor en 2021-06-01 Accurate geospatial data key to risk management  https://spcpub.com/stories/projecting-credibility-and-confidence,6907 The CSR Advisor en 2021-06-01 Projecting credibility and confidence https://spcpub.com/stories/lemon-laws,6908 The CSR Advisor en 2021-06-01 Lemon laws https://spcpub.com/stories/why-is-a-certificate-of-insurance-important,6909 The CSR Advisor en 2021-06-01 Why is a certificate of insurance important? https://spcpub.com/stories/implementing-an-aed-program,6910 The CSR Advisor en 2021-06-01 Implementing an AED program https://spcpub.com/stories/monthly-quiz,6911 The CSR Advisor en 2021-06-01 Monthly quiz https://spcpub.com/stories/erm-frameworks,6915 The CSR Advisor en 2021-07-01 ERM frameworks https://spcpub.com/stories/clean-up-email-clutter,6916 The CSR Advisor en 2021-07-01 Clean up email clutter https://spcpub.com/stories/will-the-pandemic-lead-to-more-conservative-verdicts,6917 The CSR Advisor en 2021-07-01 Will the pandemic lead to more conservative verdicts? https://spcpub.com/stories/architect-and-engineer-professional-liability-policy,6918 The CSR Advisor en 2021-07-01 Architect and engineer professional liability policy https://spcpub.com/stories/cyber-insurance-market-continues-to-evolve,6919 The CSR Advisor en 2021-07-01 Cyber insurance market continues to evolve https://spcpub.com/stories/monthly-quiz,6920 The CSR Advisor en 2021-07-01 Monthly quiz https://spcpub.com/stories/equipment-breakdown-coverage,6922 The CSR Advisor en 2021-08-01 Equipment breakdown coverage https://spcpub.com/stories/auto-insurance-on-a-road-trip,6923 The CSR Advisor en 2021-08-01 Auto insurance on a road trip https://spcpub.com/stories/using-vacation-time-during-the-pandemic,6924 The CSR Advisor en 2021-08-01 Using vacation time during the pandemic  https://spcpub.com/stories/court-rules-in-favor-of-hotel-group-in-bi-case,6925 The CSR Advisor en 2021-08-01 Court rules in favor of hotel group in BI case https://spcpub.com/stories/supply-chain-risk-management-and-insurance,6926 The CSR Advisor en 2021-08-01 Supply-chain risk management and insurance https://spcpub.com/stories/cost-of-lightning-caused-claims-spike,6927 The CSR Advisor en 2021-08-01 Cost of lightning-caused claims spike https://spcpub.com/stories/lightning-safety,6928 The CSR Advisor en 2021-08-01 Lightning safety https://spcpub.com/stories/monthly-quiz,6929 The CSR Advisor en 2021-08-01 Monthly quiz https://spcpub.com/stories/property-risks-and-wildfire-season,6931 The CSR Advisor en 2021-09-01 Property risks and wildfire season https://spcpub.com/stories/workers-comp-underwriting-performance-remains-strong,6932 The CSR Advisor en 2021-09-01 Workers comp underwriting performance remains strong  https://spcpub.com/stories/companies-with-weaker-results-are-state-insurers-of-last-resort-californias-state-compensation,6933 The CSR Advisor en 2021-09-01 Companies with weaker results are state insurers of last resort: California’s State Compensation Insurance reported the highest average combined ratio (131%) and Texas Mutual (106%). Both companies paid above-average policyholder dividends relative to the https://spcpub.com/stories/is-a-second-job-worth-it,6934 The CSR Advisor en 2021-09-01 Is a second job worth it? https://spcpub.com/stories/delayed-payment-does-not-constitute-bad-faith,6935 The CSR Advisor en 2021-09-01 Delayed payment does not constitute bad faith https://spcpub.com/stories/lost-or-stolen-musical-instruments,6936 The CSR Advisor en 2021-09-01 Lost or stolen musical instruments https://spcpub.com/stories/your-insureds-son-is-a-college-student-and-plays-in-a-three-piece-rock-band-with-friends-from,6937 The CSR Advisor en 2021-09-01 Your insured’s son is a college student and plays in a three-piece rock band with friends from school. They play shows occasionally at local bars and small clubs, receiving payments ranging from $50 to $200 a show, depending on the venue and turnout. None https://spcpub.com/stories/your-insureds-son-is-an-insured-under-the-homeowners-policy-because-he-is-a-full-time-student,6938 The CSR Advisor en 2021-09-01 Your insured’s son is an insured under the homeowners policy because he is a full-time student who lives away from home but resided in the household before attending school and because he is a relative under the age of 24. The homeowners policy has severa https://spcpub.com/stories/even-if-the-equipment-was-not-used-for-profit-only-10-percent-of-the-limit-for-coverage-c-or,6939 The CSR Advisor en 2021-09-01 Even if the equipment was not used for profit, only 10 percent of the limit for Coverage C, or $1,000, whichever is greater, is provided for property usually located at an insured’s residence other than the residence premises described in the policy’s dec https://spcpub.com/stories/when-it-comes-to-insuring-certain-kinds-of-property-the-unendorsed-homeowners-policy-typically-has,6940 The CSR Advisor en 2021-09-01 When it comes to insuring certain kinds of property, the unendorsed homeowners policy typically has shortcomings. The 10 percent of Coverage C limit may be depleted quickly, ACV factors in depreciation, and so forth. You should encourage your insureds to https://spcpub.com/stories/guide-to-adverse-possession,6941 The CSR Advisor en 2021-09-01 Guide to adverse possession https://spcpub.com/stories/monthly-quiz,6942 The CSR Advisor en 2021-09-01 Monthly quiz https://spcpub.com/stories/businessowners-policies,6944 The CSR Advisor en 2021-10-01 Businessowners policies https://spcpub.com/stories/who-is-eligible-for-the-bop,6945 The CSR Advisor en 2021-10-01 Who is eligible for the BOP? https://spcpub.com/stories/overexertion-is-leading-cause-of-disabling-workplace-injuries,6946 The CSR Advisor en 2021-10-01 Overexertion is leading cause of disabling workplace injuries  https://spcpub.com/stories/top-workplace-injuries-by-industry,6947 The CSR Advisor en 2021-10-01 Top workplace injuries by industry https://spcpub.com/stories/keeping-your-personal-life-private-at-work,6948 The CSR Advisor en 2021-10-01 Keeping your personal life private at work https://spcpub.com/stories/insuring-a-co-owned-two-family-home,6949 The CSR Advisor en 2021-10-01 Insuring a co-owned two-family home https://spcpub.com/stories/emergency-services-and-rapid-response,6950 The CSR Advisor en 2021-10-01 Emergency services and rapid response  https://spcpub.com/stories/hurricane-ida,6951 The CSR Advisor en 2021-10-01 Hurricane Ida https://spcpub.com/stories/monthly-quiz,6952 The CSR Advisor en 2021-10-01 Monthly quiz https://spcpub.com/stories/insurance-considerations-for-winter-auto-storage,6954 The CSR Advisor en 2021-11-01 Insurance considerations for winter auto storage https://spcpub.com/stories/umbrella-for-small-businesses,6955 The CSR Advisor en 2021-11-01 Umbrella for small businesses https://spcpub.com/stories/tips-to-improve-your-agency-website,6956 The CSR Advisor en 2021-11-01 Tips to improve your agency website https://spcpub.com/stories/odd-lot-doctrine-and-non-english-speaking-workers,6957 The CSR Advisor en 2021-11-01 Odd-lot doctrine and non-English-speaking workers https://spcpub.com/stories/coverage-for-an-airplane,6958 The CSR Advisor en 2021-11-01 Coverage for an airplane https://spcpub.com/stories/latent-defects,6959 The CSR Advisor en 2021-11-01 Latent defects https://spcpub.com/stories/monthly-quiz,6960 The CSR Advisor en 2021-11-01 Monthly quiz https://spcpub.com/stories/commercial-umbrella-policies,6962 The CSR Advisor en 2021-12-01 Commercial umbrella policies https://spcpub.com/stories/cyber-awareness-starting-to-pay-off,6963 The CSR Advisor en 2021-12-01 Cyber awareness starting to pay off https://spcpub.com/stories/preventing-id-theft-during-the-holidays,6964 The CSR Advisor en 2021-12-01 Preventing ID theft during the holidays https://spcpub.com/stories/third-party-insurance-does-not-cover-damages-experienced-by-a-policyholder,6965 The CSR Advisor en 2021-12-01 Third-party insurance does not cover damages experienced by a policyholder  https://spcpub.com/stories/liquor-liability-for-an-employee-holiday-party,6966 The CSR Advisor en 2021-12-01 Liquor liability for an employee holiday party https://spcpub.com/stories/business-exposures-in-the-pandemic-economy,6967 The CSR Advisor en 2021-12-01 Business exposures in the pandemic economy https://spcpub.com/stories/monthly-quiz-,6968 The CSR Advisor en 2021-12-01 Monthly quiz   https://spcpub.com/stories/internal-investigations-and-do,6970 The CSR Advisor en 2022-01-01 Internal investigations and D&O https://spcpub.com/stories/fema-updates-nfip-rate-setting-methodology,6971 The CSR Advisor en 2022-01-01 FEMA updates NFIP rate-setting methodology https://spcpub.com/stories/nfip-extended-to-feb-2022,6972 The CSR Advisor en 2022-01-01 NFIP extended to Feb. 2022 https://spcpub.com/stories/a-guide-to-business-lunch-etiquette,6973 The CSR Advisor en 2022-01-01 A guide to business lunch etiquette https://spcpub.com/stories/fire-legal-liability,6974 The CSR Advisor en 2022-01-01 Fire legal liability https://spcpub.com/stories/fireplace-safety,6975 The CSR Advisor en 2022-01-01 Fireplace safety  https://spcpub.com/stories/monthly-quiz,6976 The CSR Advisor en 2022-01-01 Monthly quiz  https://spcpub.com/stories/certificate-errors-can-be-costly,6978 The CSR Advisor en 2022-02-01 Certificate errors can be costly https://spcpub.com/stories/trends-for-2022-increased-digitization-and-telematics-adoption,6979 The CSR Advisor en 2022-02-01 Trends for 2022: Increased digitization and telematics adoption  https://spcpub.com/stories/office-skills-to-increase-efficiency,6980 The CSR Advisor en 2022-02-01 Office skills to increase efficiency  https://spcpub.com/stories/insurers-must-provide-adequate-disclosure-of-the-uim-exclusion,6981 The CSR Advisor en 2022-02-01 Insurers must provide adequate disclosure of the UIM exclusion https://spcpub.com/stories/is-a-nonresident-spouse-an-insured,6982 The CSR Advisor en 2022-02-01 Is a nonresident spouse an insured?  https://spcpub.com/stories/separate-rental-car-insurance,6983 The CSR Advisor en 2022-02-01 Separate rental car insurance  https://spcpub.com/stories/monthly-quiz,6984 The CSR Advisor en 2022-02-01 Monthly quiz https://spcpub.com/stories/what-you-should-know-about-personal-umbrellas,6986 The CSR Advisor en 2022-03-01 What you should know about personal umbrellas https://spcpub.com/stories/personal-injury-coverage-in-umbrella,6987 The CSR Advisor en 2022-03-01 Personal injury coverage in umbrella https://spcpub.com/stories/cyber-perils-outrank-supply-chain-disruption-as-top-business-risk,6988 The CSR Advisor en 2022-03-01 Cyber perils outrank supply chain disruption as top business risk https://spcpub.com/stories/succeeding-in-your-new-job,6989 The CSR Advisor en 2022-03-01 Succeeding in your new job https://spcpub.com/stories/some-ransomware-attacks-are-covered-by-insurance,6990 The CSR Advisor en 2022-03-01 Some ransomware attacks are covered by insurance https://spcpub.com/stories/is-lead-paint-a-pollutant-under-the-cgl,6991 The CSR Advisor en 2022-03-01 Is lead paint a pollutant under the CGL? https://spcpub.com/stories/addressing-insurance-after-a-divorce,6992 The CSR Advisor en 2022-03-01 Addressing insurance after a divorce https://spcpub.com/stories/did-you-know,6993 The CSR Advisor en 2022-03-01 Did you know? https://spcpub.com/stories/monthly-quiz,6994 The CSR Advisor en 2022-03-01 Monthly quiz https://spcpub.com/stories/insurable-interests,6996 The CSR Advisor en 2022-04-01 Insurable interests https://spcpub.com/stories/ae-pli-insurers-seeking-rate-hikes,6997 The CSR Advisor en 2022-04-01 A/E PLI insurers seeking rate hikes  https://spcpub.com/stories/making-the-most-of-annual-performance-reviews,6998 The CSR Advisor en 2022-04-01 Making the most of annual performance reviews https://spcpub.com/stories/court-carves-out-exception-to-eight-corners-rule,6999 The CSR Advisor en 2022-04-01 Court carves out exception to eight-corners rule https://spcpub.com/stories/trade-disruption-insurance,7000 The CSR Advisor en 2022-04-01 Trade disruption insurance https://spcpub.com/stories/attractive-nuisances,7001 The CSR Advisor en 2022-04-01 Attractive nuisances https://spcpub.com/stories/monthly-quiz,7002 The CSR Advisor en 2022-04-01 Monthly quiz https://spcpub.com/stories/coverage-for-sewage-backup-damage,7004 The CSR Advisor en 2022-05-01 Coverage for sewage backup damage https://spcpub.com/stories/prevention-of-sewage-backup-and-overflow-for-homeowners,7005 The CSR Advisor en 2022-05-01 Prevention of sewage backup and overflow for homeowners https://spcpub.com/stories/the-rise-of-the-gig-economy,7006 The CSR Advisor en 2022-05-01 The rise of the gig economy https://spcpub.com/stories/addressing-productivity-drains,7007 The CSR Advisor en 2022-05-01 Addressing productivity drains  https://spcpub.com/stories/insured-entitled-to-coverage-under-crime-policy-provisions,7008 The CSR Advisor en 2022-05-01 Insured entitled to coverage under crime policy provisions https://spcpub.com/stories/rip-and-tear-exposures,7009 The CSR Advisor en 2022-05-01 Rip-and-tear exposures https://spcpub.com/stories/when-the-insurer-denies,7010 The CSR Advisor en 2022-05-01 When the insurer denies https://spcpub.com/stories/monthly-quiz,7011 The CSR Advisor en 2022-05-01 Monthly quiz https://spcpub.com/stories/out-of-state-workers-compensation-exposures,7013 The CSR Advisor en 2022-06-01 Out-of-state workers compensation exposures https://spcpub.com/stories/wounded-worker-syndrome,7014 The CSR Advisor en 2022-06-01 Wounded Worker Syndrome https://spcpub.com/stories/home-remodeling-plans-undeterred-by-cost-increases,7015 The CSR Advisor en 2022-06-01 Home remodeling plans undeterred by cost increases https://spcpub.com/stories/best-practices-when-looking-at-contracts,7016 The CSR Advisor en 2022-06-01 Best practices when looking at contracts https://spcpub.com/stories/uninsured-premises-exclusion-triggered-at-time-of-tortious-conduct-not-policy-period,7017 The CSR Advisor en 2022-06-01 Uninsured premises exclusion triggered at time of tortious conduct, not policy period  https://spcpub.com/stories/standing-timber-insurance,7018 The CSR Advisor en 2022-06-01 Standing timber insurance https://spcpub.com/stories/boating-safety,7019 The CSR Advisor en 2022-06-01 Boating safety https://spcpub.com/stories/monthly-quiz,7020 The CSR Advisor en 2022-06-01 Monthly quiz https://spcpub.com/stories/military-members-and-their-families,7022 The CSR Advisor en 2022-07-01 Military members and their families https://spcpub.com/stories/the-us-veteran-population,7023 The CSR Advisor en 2022-07-01 The U.S. veteran population https://spcpub.com/stories/us-product-recalls-eclipse-10-year-high,7024 The CSR Advisor en 2022-07-01 U.S. product recalls eclipse 10-year high https://spcpub.com/stories/what-is-greenwashing,7025 The CSR Advisor en 2022-07-01 What is greenwashing? https://spcpub.com/stories/mental-capacity-to-enter-into-a-contract,7026 The CSR Advisor en 2022-07-01 Mental capacity to enter into a contract https://spcpub.com/stories/umbrella-exception-does-not-expand-coverage-beyond-underlying-coverage-terms,7027 The CSR Advisor en 2022-07-01 Umbrella exception does not expand coverage beyond underlying coverage terms. https://spcpub.com/stories/business-interruption-for-a-research-firm,7028 The CSR Advisor en 2022-07-01 Business interruption for a research firm https://spcpub.com/stories/lightning-strikes-and-power-surges,7029 The CSR Advisor en 2022-07-01 Lightning strikes and power surges https://spcpub.com/stories/monthly-quiz,7030 The CSR Advisor en 2022-07-01 Monthly quiz https://spcpub.com/stories/patent-infringement-coverage,7032 The CSR Advisor en 2022-08-01 Patent infringement coverage  https://spcpub.com/stories/inflation-to-push-p-c-insurers-to-underwriting-loss,7033 The CSR Advisor en 2022-08-01 Inflation to push P-C insurers to underwriting loss  https://spcpub.com/stories/grace-under-pressure,7034 The CSR Advisor en 2022-08-01 Grace under pressure https://spcpub.com/stories/advertising-claim-not-a-covered-professional-service,7035 The CSR Advisor en 2022-08-01 Advertising claim not a covered professional service https://spcpub.com/stories/foreseeable-or-intentional,7036 The CSR Advisor en 2022-08-01 Foreseeable or intentional? https://spcpub.com/stories/covering-outbuildings,7037 The CSR Advisor en 2022-08-01 Covering outbuildings https://spcpub.com/stories/monthly-quiz,7038 The CSR Advisor en 2022-08-01 Monthly quiz https://spcpub.com/stories/representations-and-warranties-insurance,7040 The CSR Advisor en 2022-09-01 Representations and warranties insurance https://spcpub.com/stories/fire-nat-cats-and-faulty-work-top-business-claims-globally,7041 The CSR Advisor en 2022-09-01 Fire, nat CATs and faulty work top business claims globally https://spcpub.com/stories/attending-a-professional-conference,7042 The CSR Advisor en 2022-09-01 Attending a professional conference https://spcpub.com/stories/nh-court-allows-coming-and-going-rule-exception,7043 The CSR Advisor en 2022-09-01 N.H. court allows coming and going rule exception https://spcpub.com/stories/insuring-antique-and-classic-autos,7044 The CSR Advisor en 2022-09-01 Insuring antique and classic autos https://spcpub.com/stories/wedding-insurance,7045 The CSR Advisor en 2022-09-01 Wedding insurance https://spcpub.com/stories/ri-legalizes-recreational-marijuana,7046 The CSR Advisor en 2022-09-01 R.I. Legalizes Recreational Marijuana https://spcpub.com/stories/monthly-quiz,7047 The CSR Advisor en 2022-09-01 Monthly quiz https://spcpub.com/stories/workers-comp-and-business-owners,7049 The CSR Advisor en 2022-10-01 Workers comp and business owners https://spcpub.com/stories/property-crimes-see-uptick-in-2022,7050 The CSR Advisor en 2022-10-01 Property crimes see uptick in 2022 https://spcpub.com/stories/encouraging-customer-loyalty,7051 The CSR Advisor en 2022-10-01 Encouraging customer loyalty https://spcpub.com/stories/written-notice-of-a-claim-required-under-claims-made-policies,7052 The CSR Advisor en 2022-10-01 Written notice of a claim required under claims-made policies https://spcpub.com/stories/when-is-policy-language-ambiguous,7053 The CSR Advisor en 2022-10-01 When is policy language ambiguous? https://spcpub.com/stories/halloween-safety-tips,7054 The CSR Advisor en 2022-10-01 Halloween safety tips https://spcpub.com/stories/halloween-safety-tips-for-pets,7055 The CSR Advisor en 2022-10-01 Halloween safety tips for pets https://spcpub.com/stories/the-insurance-industry-added-more-than-5000-jobs-in-august,7056 The CSR Advisor en 2022-10-01 The insurance industry added more than 5,000 jobs in August. https://spcpub.com/stories/monthly-quiz,7057 The CSR Advisor en 2022-10-01 Monthly quiz https://spcpub.com/stories/covering-carbon-monoxide-leaks,7059 The CSR Advisor en 2022-11-01 Covering carbon monoxide leaks https://spcpub.com/stories/detecting-and-preventing-carbon-monoxide-leaks,7060 The CSR Advisor en 2022-11-01 Detecting and preventing carbon monoxide leaks https://spcpub.com/stories/cyber-threats-remain-top-concern-for-businesses,7061 The CSR Advisor en 2022-11-01 Cyber threats remain top concern for businesses https://spcpub.com/stories/reading-an-insurance-policy,7062 The CSR Advisor en 2022-11-01 Reading an insurance policy  https://spcpub.com/stories/reasonable-belief-exclusion-does-not-apply-to-conditional-license-violation,7063 The CSR Advisor en 2022-11-01 Reasonable belief exclusion does not apply to conditional license violation https://spcpub.com/stories/inherent-defects-insurance,7064 The CSR Advisor en 2022-11-01 Inherent defects insurance  https://spcpub.com/stories/tips-to-avoid-holiday-tragedies,7065 The CSR Advisor en 2022-11-01 Tips to avoid holiday tragedies https://spcpub.com/stories/monthly-quiz,7066 The CSR Advisor en 2022-11-01 Monthly quiz https://spcpub.com/stories/workers-compensation-for-domestic-workers,7067 The CSR Advisor en 2022-12-01 Workers compensation for domestic workers https://spcpub.com/stories/ma-experts-expect-deal-volume-to-increase,7068 The CSR Advisor en 2022-12-01 M&A experts expect deal volume to increase  https://spcpub.com/stories/avoiding-the-perils-of-excessive-sitting,7069 The CSR Advisor en 2022-12-01 Avoiding the perils of excessive sitting https://spcpub.com/stories/insurer-not-entitled-to-recoup-defense-costs,7070 The CSR Advisor en 2022-12-01 Insurer not entitled to recoup defense costs https://spcpub.com/stories/professional-liability-policy-covers-only-insureds-negligence,7071 The CSR Advisor en 2022-12-01 Professional liability policy covers only insured’s negligence https://spcpub.com/stories/duties-after-a-loss,7072 The CSR Advisor en 2022-12-01 Duties after a loss https://spcpub.com/stories/inflation-driving-coverage-concerns,7073 The CSR Advisor en 2022-12-01 Inflation driving coverage concerns https://spcpub.com/stories/monthly-quiz,7074 The CSR Advisor en 2022-12-01 Monthly quiz https://spcpub.com/stories/uninsured-motorist-coverage,7076 The CSR Advisor en 2023-01-01 Uninsured motorist coverage https://spcpub.com/stories/failure-to-describe-catastrophe-location,7077 The CSR Advisor en 2023-01-01 Failure to describe catastrophe location https://spcpub.com/stories/strategies-to-stay-organized,7078 The CSR Advisor en 2023-01-01 Strategies to stay organized https://spcpub.com/stories/termination-of-tpd-benefits-for-misconduct,7079 The CSR Advisor en 2023-01-01 Termination of TPD benefits for misconduct https://spcpub.com/stories/policy-conditions,7080 The CSR Advisor en 2023-01-01 Policy conditions https://spcpub.com/stories/monthly-quiz,7081 The CSR Advisor en 2023-01-01 Monthly quiz https://spcpub.com/stories/product-recall-insurance,7083 The CSR Advisor en 2023-02-01 Product recall insurance https://spcpub.com/stories/us-fatal-work-injury-rate-increased-89,7084 The CSR Advisor en 2023-02-01 U.S. fatal work injury rate increased 8.9% https://spcpub.com/stories/emotional-intelligence-at-work,7085 The CSR Advisor en 2023-02-01 Emotional intelligence at work https://spcpub.com/stories/no-coverage-for-mold-damage,7086 The CSR Advisor en 2023-02-01 No coverage for mold damage  https://spcpub.com/stories/source-of-water,7087 The CSR Advisor en 2023-02-01 Source of water https://spcpub.com/stories/teenage-drivers-and-insurance-changes,7088 The CSR Advisor en 2023-02-01 Teenage drivers and insurance changes https://spcpub.com/stories/monthly-quiz,7089 The CSR Advisor en 2023-02-01 Monthly quiz https://spcpub.com/stories/loss-of-rental-income,7091 The CSR Advisor en 2023-03-01 Loss of rental income https://spcpub.com/stories/business-owners-optimistic-about-the-year-ahead,7092 The CSR Advisor en 2023-03-01 Business owners optimistic about the year ahead https://spcpub.com/stories/taking-advantage-of-telematics,7093 The CSR Advisor en 2023-03-01 Taking advantage of telematics https://spcpub.com/stories/zone-of-special-danger,7094 The CSR Advisor en 2023-03-01 Zone of special danger https://spcpub.com/stories/the-lhwca-and-dba,7095 The CSR Advisor en 2023-03-01 The LHWCA and DBA https://spcpub.com/stories/landlord-liability-for-deck-collapse,7096 The CSR Advisor en 2023-03-01 Landlord liability for deck collapse https://spcpub.com/stories/first-time-homeowner-tips,7097 The CSR Advisor en 2023-03-01 First-time homeowner tips https://spcpub.com/stories/monthly-quiz,7098 The CSR Advisor en 2023-03-01 Monthly quiz https://spcpub.com/stories/what-you-should-know-about-wrap-ups,7100 The CSR Advisor en 2023-04-01 What you should know about wrap-ups https://spcpub.com/stories/many-homeowners-havent-reviewed-updated-insurance-policies,7101 The CSR Advisor en 2023-04-01 Many homeowners haven’t reviewed, updated insurance policies https://spcpub.com/stories/adjusting-to-your-coworkers-quirks,7102 The CSR Advisor en 2023-04-01 Adjusting to your coworkers’ quirks https://spcpub.com/stories/is-there-coverage-for-defamatory-tweets,7103 The CSR Advisor en 2023-04-01 Is there coverage for defamatory tweets? https://spcpub.com/stories/what-is-a-waiver-of-subrogation-clause-,7104 The CSR Advisor en 2023-04-01 What is a waiver of subrogation clause?   https://spcpub.com/stories/a-look-at-bailee-exposures,7105 The CSR Advisor en 2023-04-01 A look at bailee exposures https://spcpub.com/stories/traffic-deaths-begin-to-level-off,7106 The CSR Advisor en 2023-04-01 Traffic deaths begin to level off https://spcpub.com/stories/monthly-quiz,7107 The CSR Advisor en 2023-04-01 Monthly quiz https://spcpub.com/stories/contractual-liability-exclusion,7109 The CSR Advisor en 2023-05-01 Contractual liability exclusion https://spcpub.com/stories/insurer-insolvency,7110 The CSR Advisor en 2023-05-01 Insurer insolvency https://spcpub.com/stories/a-positive-attitude-can-yield-positive-results,7111 The CSR Advisor en 2023-05-01 A positive attitude can yield positive results https://spcpub.com/stories/judge-rejects-covid-19-business-interruption-claim-by-hospital,7112 The CSR Advisor en 2023-05-01 Judge rejects COVID-19 business interruption claim by hospital https://spcpub.com/stories/claims-made-versus-occurrence-based,7113 The CSR Advisor en 2023-05-01 Claims-made versus occurrence-based https://spcpub.com/stories/tornado-safety,7114 The CSR Advisor en 2023-05-01 Tornado safety https://spcpub.com/stories/monthly-quiz,7115 The CSR Advisor en 2023-05-01 Monthly quiz https://spcpub.com/stories/political-risk-insurance,7117 The CSR Advisor en 2023-06-01 Political risk insurance  https://spcpub.com/stories/women-remain-underrepresented-in-agency-leadership,7118 The CSR Advisor en 2023-06-01 Women remain underrepresented in agency leadership https://spcpub.com/stories/encourage-customer-loyalty,7119 The CSR Advisor en 2023-06-01 Encourage customer loyalty https://spcpub.com/stories/consignment-law-and-bankruptcy,7120 The CSR Advisor en 2023-06-01 Consignment law and bankruptcy https://spcpub.com/stories/motorcycle-coverage,7121 The CSR Advisor en 2023-06-01 Motorcycle coverage https://spcpub.com/stories/burglary-prevention,7122 The CSR Advisor en 2023-06-01 Burglary prevention https://spcpub.com/stories/monthly-quiz,7123 The CSR Advisor en 2023-06-01 Monthly quiz https://spcpub.com/stories/in-memoriam,7124 The CSR Advisor en 2023-06-01 In memoriam https://spcpub.com/stories/insuring-intellectual-property-risks,7126 The CSR Advisor en 2023-07-01 Insuring intellectual property risks https://spcpub.com/stories/electronic-health-record-malpractice,7127 The CSR Advisor en 2023-07-01 Electronic health record malpractice https://spcpub.com/stories/cgl-supplementary-payments,7128 The CSR Advisor en 2023-07-01 CGL supplementary payments https://spcpub.com/stories/family-step-down-provision-is-unenforceable,7129 The CSR Advisor en 2023-07-01 Family step-down provision is unenforceable https://spcpub.com/stories/personal-car-on-company-business,7130 The CSR Advisor en 2023-07-01 Personal car on company business https://spcpub.com/stories/monthly-quiz,7131 The CSR Advisor en 2023-07-01 Monthly quiz https://spcpub.com/stories/condo-coverage-and-responsibilities,7133 The CSR Advisor en 2023-08-01 Condo coverage and responsibilities https://spcpub.com/stories/p-c-insurers-have-capital-to-absorb-large-hurricane-losses,7134 The CSR Advisor en 2023-08-01 P-C insurers have capital to absorb large hurricane losses https://spcpub.com/stories/reducing-eo-vulnerability-in-10-steps,7135 The CSR Advisor en 2023-08-01 Reducing E&O vulnerability in 10 steps https://spcpub.com/stories/what-is-a-contractual-liability-insurance-policy,7136 The CSR Advisor en 2023-08-01 What is a contractual liability insurance policy? https://spcpub.com/stories/policy-conditions,7137 The CSR Advisor en 2023-08-01 Policy conditions https://spcpub.com/stories/monthly-quiz,7138 The CSR Advisor en 2023-08-01 Monthly quiz https://spcpub.com/stories/fiduciary-liability,7140 The CSR Advisor en 2023-09-01 Fiduciary liability  https://spcpub.com/stories/average-cost-of-a-data-breach-reaches-445m,7141 The CSR Advisor en 2023-09-01 Average cost of a data breach reaches $4.45M https://spcpub.com/stories/managing-interruptions-at-work,7142 The CSR Advisor en 2023-09-01 Managing interruptions at work https://spcpub.com/stories/insureds-right-to-coverage-forfeited-by-late-notice,7143 The CSR Advisor en 2023-09-01 Insured’s right to coverage forfeited by late notice https://spcpub.com/stories/what-does-acv-mean,7144 The CSR Advisor en 2023-09-01 What does ACV mean? https://spcpub.com/stories/sinkhole-insurance,7145 The CSR Advisor en 2023-09-01 Sinkhole insurance https://spcpub.com/stories/monthly-quiz,7146 The CSR Advisor en 2023-09-01 Monthly Quiz https://spcpub.com/stories/homeowners-insurance-coverage-gaps,7148 The CSR Advisor en 2023-10-01 Homeowners insurance coverage gaps https://spcpub.com/stories/inflation-labor-and-subcontractors-biggest-risks-for-general-contractors,7149 The CSR Advisor en 2023-10-01 Inflation, labor and subcontractors biggest risks for general contractors https://spcpub.com/stories/on-time-is-late,7150 The CSR Advisor en 2023-10-01 On time is late https://spcpub.com/stories/no-duty-to-defend-a-material-misrepresentation,7151 The CSR Advisor en 2023-10-01 No duty to defend a material misrepresentation https://spcpub.com/stories/joint-employer-doctrine,7152 The CSR Advisor en 2023-10-01 Joint employer doctrine https://spcpub.com/stories/wedding-insurance,7153 The CSR Advisor en 2023-10-01 Wedding insurance https://spcpub.com/stories/p-c-carriers-plan-to-increase-staff,7154 The CSR Advisor en 2023-10-01 P-C carriers plan to increase staff  https://spcpub.com/stories/monthly-quiz,7155 The CSR Advisor en 2023-10-01 Monthly quiz https://spcpub.com/stories/preparing-for-the-busy-season-insuring-fluctuating-property-values,7157 The CSR Advisor en 2023-11-01 Preparing for the busy season — insuring fluctuating property values https://spcpub.com/stories/value-reporting-form,7158 The CSR Advisor en 2023-11-01 Value reporting form https://spcpub.com/stories/p-c-carriers-plan-to-increase-staff,7159 The CSR Advisor en 2023-11-01 P-C carriers plan to increase staff  https://spcpub.com/stories/current-workplace-flexibility,7160 The CSR Advisor en 2023-11-01 Current workplace flexibility https://spcpub.com/stories/dealing-with-rude-insureds,7161 The CSR Advisor en 2023-11-01 Dealing with rude insureds https://spcpub.com/stories/insurer-cannot-depreciate-cost-of-labor,7162 The CSR Advisor en 2023-11-01 Insurer cannot depreciate cost of labor https://spcpub.com/stories/product-liability-risks,7168 The CSR Advisor en 2023-12-01 Product liability risks https://spcpub.com/stories/common-client-mistakes,7169 The CSR Advisor en 2023-12-01 Common client mistakes https://spcpub.com/stories/agency-eo-limits,7170 The CSR Advisor en 2023-12-01 Agency E&O limits https://spcpub.com/stories/mode-of-operation-claim-doesnt-meet-notice-requirement,7171 The CSR Advisor en 2023-12-01 Mode of operation claim doesn’t meet notice requirement https://spcpub.com/stories/personal-car-on-company-business,7172 The CSR Advisor en 2023-12-01 Personal car on company business https://spcpub.com/stories/winterize-the-home,7173 The CSR Advisor en 2023-12-01 Winterize the home https://spcpub.com/stories/monthly-quiz,7174 The CSR Advisor en 2023-12-01 Monthly quiz https://spcpub.com/stories/condo-insurance,7163 The CSR Advisor en 2023-11-01 Condo insurance  https://spcpub.com/stories/insurable-interests-and-property-policies,7164 The CSR Advisor en 2023-11-01 Insurable interests and property policies https://spcpub.com/stories/did-you-know,7165 The CSR Advisor en 2023-11-01 Did you know? https://spcpub.com/stories/monthly-quiz,7166 The CSR Advisor en 2023-11-01 Monthly quiz https://spcpub.com/stories/uninsured-motorist-coverage,7176 The CSR Advisor en 2024-01-01 Uninsured motorist coverage https://spcpub.com/stories/why-does-your-insured-need-um-coverage,7177 The CSR Advisor en 2024-01-01 Why does your insured need UM coverage? https://spcpub.com/stories/um-coverage-exclusions,7178 The CSR Advisor en 2024-01-01 UM Coverage exclusions https://spcpub.com/stories/do-rates-fall-for-first-time-since-2017,7179 The CSR Advisor en 2024-01-01 D&O rates fall for first time since 2017 https://spcpub.com/stories/managing-interruptions-at-work,7180 The CSR Advisor en 2024-01-01 Managing interruptions at work https://spcpub.com/stories/no-coverage-for-lawsuit-served-prior-to-policy-inception,7181 The CSR Advisor en 2024-01-01 No coverage for lawsuit served prior to policy inception https://spcpub.com/stories/when-is-policy-language-ambiguous,7182 The CSR Advisor en 2024-01-01 When is policy language ambiguous? https://spcpub.com/stories/teen-drivers,7183 The CSR Advisor en 2024-01-01 Teen drivers https://spcpub.com/stories/safety-tips,7184 The CSR Advisor en 2024-01-01 Safety tips https://spcpub.com/stories/monthly-quiz,7185 The CSR Advisor en 2024-01-01 Monthly quiz https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddleunderground-storage-tank,6485 The CSR Advisor en 2013-04-01 Underground storage tank exposures https://spcpub.com/stories/nonemso-layout-grid-alignnonetext-autospacenonevertical-alignmiddlemultigenerational,6535 The CSR Advisor en 2014-02-01 Multigenerational workforce https://spcpub.com/stories/homeowners-on-vacation,7187 The CSR Advisor en 2024-02-01 Homeowners on vacation (02/24) https://spcpub.com/stories/cyber-digital-tech-key-concerns-for-risk-leaders,7188 The CSR Advisor en 2024-02-01 Cyber, digital tech key concerns for risk leaders (02/24) https://spcpub.com/stories/leaving-a-paper-trail,7189 The CSR Advisor en 2024-02-01 Leaving a paper trail (02/24) https://spcpub.com/stories/mass-hospital-wins-covid-19-coverage-appeal,7190 The CSR Advisor en 2024-02-01 Mass. hospital wins COVID-19 coverage appeal (02/24) https://spcpub.com/stories/liability-for-a-texting-employee,7191 The CSR Advisor en 2024-02-01 Liability for a texting employee (02/24) https://spcpub.com/stories/duty-to-advise,7192 The CSR Advisor en 2024-02-01 Duty to advise (02/24) https://spcpub.com/stories/work-stress-reaches-all-time-high,7193 The CSR Advisor en 2024-02-01 Work stress reaches all-time high (02/24) https://spcpub.com/stories/monthly-quiz,7194 The CSR Advisor en 2024-02-01 Monthly quiz (02/24) https://spcpub.com/stories/the-csr-advisor-806,23114 The CSR Advisor en 2006-08-01 The CSR Advisor (8/06) https://spcpub.com/stories/the-csr-advisor-1206,23115 The CSR Advisor en 2006-12-01 The CSR Advisor (12/06) https://spcpub.com/stories/the-csr-advisor-1106,23116 The CSR Advisor en 2006-11-01 The CSR Advisor (11/06) https://spcpub.com/stories/the-csr-advisor-1006,23117 The CSR Advisor en 2006-10-01 The CSR Advisor (10/06) https://spcpub.com/stories/the-csr-advisor-906,23118 The CSR Advisor en 2006-09-01 The CSR Advisor (9/06) https://spcpub.com/stories/the-csr-advisor-706,23119 The CSR Advisor en 2006-07-01 The CSR Advisor (7/06) https://spcpub.com/stories/the-csr-advisor-606,23120 The CSR Advisor en 2006-06-01 The CSR Advisor (6/06) https://spcpub.com/stories/the-csr-advisor-506,23121 The CSR Advisor en 2006-05-01 The CSR Advisor (5/06) https://spcpub.com/stories/the-csr-advisor-406,23122 The CSR Advisor en 2006-04-01 The CSR Advisor (4/06) https://spcpub.com/stories/the-csr-advisor-306,23123 The CSR Advisor en 2006-03-01 The CSR Advisor (3/06) https://spcpub.com/stories/the-csr-advisor-206,23124 The CSR Advisor en 2006-02-01 The CSR Advisor (2/06) https://spcpub.com/stories/the-csr-advisor-106,23125 The CSR Advisor en 2006-01-01 The CSR Advisor (1/06) https://spcpub.com/stories/the-csr-advisor-csr-107,23126 The CSR Advisor en 2007-01-01 The CSR Advisor (CSR 1/07) https://spcpub.com/stories/the-csr-advisor-csr-0307,23127 The CSR Advisor en 2007-03-01 The CSR Advisor (CSR 03/07) https://spcpub.com/stories/the-csr-advisor-csr-0407,23128 The CSR Advisor en 2007-04-01 The CSR Advisor (CSR 04/07) https://spcpub.com/stories/the-csr-advisor-csr-0507,23129 The CSR Advisor en 2007-05-01 The CSR Advisor (CSR 05/07) https://spcpub.com/stories/the-csr-advisor-csr-0607,23130 The CSR Advisor en 2007-06-01 The CSR Advisor (CSR 06/07) https://spcpub.com/stories/the-csr-advisor-csr-0707,23131 The CSR Advisor en 2007-07-01 The CSR Advisor (CSR 07/07) https://spcpub.com/stories/the-csr-advisor-csr-0807,23132 The CSR Advisor en 2007-08-01 The CSR Advisor (CSR 08/07) https://spcpub.com/stories/the-csr-advisor-csr-0907,23133 The CSR Advisor en 2007-09-01 The CSR Advisor (CSR 09/07) https://spcpub.com/stories/the-csr-advisor-csr-1007,23134 The CSR Advisor en 2007-10-01 The CSR Advisor (CSR 10/07) https://spcpub.com/stories/the-csr-advisor-csr-1107,23135 The CSR Advisor en 2007-11-01 The CSR Advisor (CSR 11/07) https://spcpub.com/stories/the-csr-advisor-csr-1207,23136 The CSR Advisor en 2007-12-01 The CSR Advisor (CSR 12/07) https://spcpub.com/stories/the-csr-advisor-csr-108,23137 The CSR Advisor en 2008-01-01 The CSR Advisor (CSR 1/08) https://spcpub.com/stories/the-csr-advisor-csr-208,23138 The CSR Advisor en 2008-02-01 The CSR Advisor (CSR 2/08) https://spcpub.com/stories/the-csr-advisor-csr-0308,23139 The CSR Advisor en 2008-03-01 The CSR Advisor (CSR 03/08) https://spcpub.com/stories/the-csr-advisor-csr-408,23140 The CSR Advisor en 2008-04-01 The CSR Advisor (CSR 4/08) https://spcpub.com/stories/the-csr-advisor-508,23141 The CSR Advisor en 2008-05-01 The CSR Advisor (5/08) https://spcpub.com/stories/the-csr-advisor-csr-0608,23142 The CSR Advisor en 2008-06-01 The CSR Advisor (CSR 06/08) https://spcpub.com/stories/the-csr-advisor-csr-0708,23143 The CSR Advisor en 2008-07-01 The CSR Advisor (CSR 07/08) https://spcpub.com/stories/the-csr-advisor-csr-808,23144 The CSR Advisor en 2008-08-01 The CSR Advisor (CSR 8/08) https://spcpub.com/stories/the-csr-advisor-csr-0908,23145 The CSR Advisor en 2008-09-01 The CSR Advisor (CSR 09/08) https://spcpub.com/stories/the-csr-advisor-csr-1008,23146 The CSR Advisor en 2008-10-01 The CSR Advisor (CSR 10/08) https://spcpub.com/stories/the-csr-advisor-csr-1108,23147 The CSR Advisor en 2008-11-01 The CSR Advisor (CSR 11/08) https://spcpub.com/stories/the-csr-advisor-csr-1208,23148 The CSR Advisor en 2008-12-01 The CSR Advisor (CSR 12/08) https://spcpub.com/stories/the-csr-advisor-csr-109,23149 The CSR Advisor en 2009-01-01 The CSR Advisor (CSR 1/09) https://spcpub.com/stories/the-csr-advisor-csr-209,23150 The CSR Advisor en 2009-02-01 The CSR Advisor (CSR 2/09) https://spcpub.com/stories/the-csr-advisor-csr-309,23151 The CSR Advisor en 2009-03-01 The CSR Advisor (CSR 3/09) https://spcpub.com/stories/the-csr-advisor-csr-409,23152 The CSR Advisor en 2009-04-01 The CSR Advisor (CSR 4/09) https://spcpub.com/stories/the-csr-advisor-csr-509,23153 The CSR Advisor en 2009-05-01 The CSR Advisor (CSR 5/09) https://spcpub.com/stories/the-csr-advisor-csr-609,23154 The CSR Advisor en 2009-06-01 The CSR Advisor (CSR 6/09) https://spcpub.com/stories/the-csr-advisor-csr-709,23155 The CSR Advisor en 2009-07-01 The CSR Advisor (CSR 7/09) https://spcpub.com/stories/the-csr-advisor-csr-809,23156 The CSR Advisor en 2009-08-01 The CSR Advisor (CSR 8/09) https://spcpub.com/stories/the-csr-advisor-csr-909,23157 The CSR Advisor en 2009-09-01 The CSR Advisor (CSR 9/09) https://spcpub.com/stories/the-csr-advisor-csr-1009,23158 The CSR Advisor en 2009-10-01 The CSR Advisor (CSR 10/09) https://spcpub.com/stories/the-csr-advisor-csr-1109,23159 The CSR Advisor en 2009-11-01 The CSR Advisor (CSR 11/09) https://spcpub.com/stories/the-csr-advisor-csr-1209,23160 The CSR Advisor en 2009-12-01 The CSR Advisor (CSR 12/09) https://spcpub.com/stories/the-csr-advisor-csr-110,23161 The CSR Advisor en 2010-01-01 The CSR Advisor (CSR 1/10) https://spcpub.com/stories/the-csr-advisor-csr-210,23162 The CSR Advisor en 2010-02-01 The CSR Advisor (CSR 2/10) https://spcpub.com/stories/the-csr-advisor-csr-310,23163 The CSR Advisor en 2010-03-01 The CSR Advisor (CSR 3/10) https://spcpub.com/stories/the-csr-advisor-csr-410,23164 The CSR Advisor en 2010-04-01 The CSR Advisor (CSR 4/10) https://spcpub.com/stories/the-csr-advisor-csr-510,23165 The CSR Advisor en 2010-05-01 The CSR Advisor (CSR 5/10) https://spcpub.com/stories/the-csr-advisor-csr-610,23166 The CSR Advisor en 2010-06-01 The CSR Advisor (CSR 6/10) https://spcpub.com/stories/the-csr-advisor-csr-710,23167 The CSR Advisor en 2010-07-01 The CSR Advisor (CSR 7/10) https://spcpub.com/stories/the-csr-advisor-csr-810,23168 The CSR Advisor en 2010-08-01 The CSR Advisor (CSR 8/10) https://spcpub.com/stories/the-csr-advisor-csr-910,23169 The CSR Advisor en 2010-09-01 The CSR Advisor (CSR 9/10) https://spcpub.com/stories/the-csr-advisor-csr-1010,23170 The CSR Advisor en 2010-10-01 The CSR Advisor (CSR 10/10) https://spcpub.com/stories/the-csr-advisor-csr-1110,23171 The CSR Advisor en 2010-11-01 The CSR Advisor (CSR 11/10) https://spcpub.com/stories/the-csr-advisor-csr-1210,23172 The CSR Advisor en 2010-12-01 The CSR Advisor (CSR 12/10) https://spcpub.com/stories/the-csr-advisor-csr-111,23173 The CSR Advisor en 2011-01-01 The CSR Advisor (CSR 1/11) https://spcpub.com/stories/the-csr-advisor-csr-211,23174 The CSR Advisor en 2011-02-01 The CSR Advisor (CSR 2/11) https://spcpub.com/stories/the-csr-advisor-csr-311,23175 The CSR Advisor en 2011-03-01 The CSR Advisor (CSR 3/11) https://spcpub.com/stories/the-csr-advisor-csr-411,23176 The CSR Advisor en 2011-04-01 The CSR Advisor (CSR 4/11) https://spcpub.com/stories/the-csr-advisor-csr-511,23177 The CSR Advisor en 2011-05-01 The CSR Advisor (CSR 5/11) https://spcpub.com/stories/the-csr-advisor-csr-611,23178 The CSR Advisor en 2011-06-01 The CSR Advisor (CSR 6/11) https://spcpub.com/stories/the-csr-advisor-csr-711,23179 The CSR Advisor en 2011-07-01 The CSR Advisor (CSR 7/11) https://spcpub.com/stories/the-csr-advisor-csr-811,23180 The CSR Advisor en 2011-08-01 The CSR Advisor (CSR 8/11) https://spcpub.com/stories/the-csr-advisor-csr-911,23181 The CSR Advisor en 2011-09-01 The CSR Advisor (CSR 9/11) https://spcpub.com/stories/the-csr-advisor-csr-1011,23182 The CSR Advisor en 2011-10-01 The CSR Advisor (CSR 10/11) https://spcpub.com/stories/the-csr-advisor-csr-112,23183 The CSR Advisor en 2012-01-01 The CSR Advisor (CSR 1/12) https://spcpub.com/stories/the-csr-advisor-csr-212,23184 The CSR Advisor en 2012-02-01 The CSR Advisor (CSR 2/12) https://spcpub.com/stories/the-csr-advisor-csr-312,23185 The CSR Advisor en 2012-03-01 The CSR Advisor (CSR 3/12) https://spcpub.com/stories/the-csr-advisor-csr-412,23186 The CSR Advisor en 2012-04-01 The CSR Advisor (CSR 4/12) https://spcpub.com/stories/the-csr-advisor-csr-1012,23187 The CSR Advisor en 2012-10-01 The CSR Advisor (CSR 10/12) https://spcpub.com/stories/the-csr-advisor-csr-1112,23188 The CSR Advisor en 2012-11-01 The CSR Advisor (CSR 11/12) https://spcpub.com/stories/the-csr-advisor-csr-1212,23189 The CSR Advisor en 2012-12-01 The CSR Advisor (CSR 12/12) https://spcpub.com/stories/the-csr-advisor-csr-113,23190 The CSR Advisor en 2013-01-01 The CSR Advisor (CSR 1/13) https://spcpub.com/stories/the-csr-advisor-csr-213,23191 The CSR Advisor en 2013-02-01 The CSR Advisor (CSR 2/13) https://spcpub.com/stories/the-csr-advisor-csr-313,23192 The CSR Advisor en 2013-03-01 The CSR Advisor (CSR 3/13) https://spcpub.com/stories/the-csr-advisor-csr-413,23193 The CSR Advisor en 2013-04-01 The CSR Advisor (CSR 4/13) https://spcpub.com/stories/the-csr-advisor-csr-513,23194 The CSR Advisor en 2013-05-01 The CSR Advisor (CSR 5/13) https://spcpub.com/stories/the-csr-advisor-csr-613,23195 The CSR Advisor en 2013-06-01 The CSR Advisor (CSR 6/13) https://spcpub.com/stories/the-csr-advisor-csr-713,23196 The CSR Advisor en 2013-07-01 The CSR Advisor (CSR 7/13) https://spcpub.com/stories/the-csr-advisor-csr-813,23197 The CSR Advisor en 2013-08-01 The CSR Advisor (CSR 8/13) https://spcpub.com/stories/the-csr-advisor-csr-913,23198 The CSR Advisor en 2013-09-01 The CSR Advisor (CSR 9/13) https://spcpub.com/stories/the-csr-advisor-csr-1013,23199 The CSR Advisor en 2013-10-01 The CSR Advisor (CSR 10/13) https://spcpub.com/stories/the-csr-advisor-csr-1113,23200 The CSR Advisor en 2013-11-01 The CSR Advisor (CSR 11/13) https://spcpub.com/stories/the-csr-advisor-csr-1213,23201 The CSR Advisor en 2013-12-01 The CSR Advisor (CSR 12/13) https://spcpub.com/stories/the-csr-advisor-csr-114,23202 The CSR Advisor en 2014-01-01 The CSR Advisor (CSR 1/14) https://spcpub.com/stories/the-csr-advisor-csr-214,23203 The CSR Advisor en 2014-02-01 The CSR Advisor (CSR 2/14) https://spcpub.com/stories/the-csr-advisor-csr-314,23204 The CSR Advisor en 2014-03-01 The CSR Advisor (CSR 3/14) https://spcpub.com/stories/the-csr-advisor-csr-414,23205 The CSR Advisor en 2014-04-01 The CSR Advisor (CSR 4/14) https://spcpub.com/stories/the-csr-advisor-csr-514,23206 The CSR Advisor en 2014-05-01 The CSR Advisor (CSR 5/14) https://spcpub.com/stories/the-csr-advisor-csr-614,23207 The CSR Advisor en 2014-06-01 The CSR Advisor (CSR 6/14) https://spcpub.com/stories/the-csr-advisor-csr-714,23208 The CSR Advisor en 2014-07-01 The CSR Advisor (CSR 7/14) https://spcpub.com/stories/the-csr-advisor-csr-814,23209 The CSR Advisor en 2014-08-01 The CSR Advisor (CSR 8/14) https://spcpub.com/stories/the-csr-advisor-csr-914,23210 The CSR Advisor en 2014-09-01 The CSR Advisor (CSR 9/14) https://spcpub.com/stories/the-csr-advisor-csr-1014,23211 The CSR Advisor en 2014-10-01 The CSR Advisor (CSR 10/14) https://spcpub.com/stories/the-csr-advisor-csr-1114,23212 The CSR Advisor en 2014-11-01 The CSR Advisor (CSR 11/14) https://spcpub.com/stories/the-csr-advisor-csr-1214,23213 The CSR Advisor en 2014-12-01 The CSR Advisor (CSR 12/14) https://spcpub.com/stories/the-csr-advisor-csr-115,23214 The CSR Advisor en 2015-01-01 The CSR Advisor (CSR 1/15) https://spcpub.com/stories/the-csr-advisor-csr-215,23215 The CSR Advisor en 2015-02-01 The CSR Advisor (CSR 2/15) https://spcpub.com/stories/the-csr-advisor-csr-315,23216 The CSR Advisor en 2015-03-01 The CSR Advisor (CSR 3/15) https://spcpub.com/stories/the-csr-advisor-csr-415,23217 The CSR Advisor en 2015-04-01 The CSR Advisor (CSR 4/15) https://spcpub.com/stories/the-csr-advisor-csr-515,23218 The CSR Advisor en 2015-05-01 The CSR Advisor (CSR 5/15) https://spcpub.com/stories/the-csr-advisor-csr-615,23219 The CSR Advisor en 2015-06-01 The CSR Advisor (CSR 6/15) https://spcpub.com/stories/the-csr-advisor-csr-715,23220 The CSR Advisor en 2015-07-01 The CSR Advisor (CSR 7/15) https://spcpub.com/stories/the-csr-advisor-csr-815,23221 The CSR Advisor en 2015-08-01 The CSR Advisor (CSR 8/15) https://spcpub.com/stories/the-csr-advisor-csr-915,23222 The CSR Advisor en 2015-09-01 The CSR Advisor (CSR 9/15) https://spcpub.com/stories/the-csr-advisor-csr-1015,23223 The CSR Advisor en 2015-10-01 The CSR Advisor (CSR 10/15) https://spcpub.com/stories/the-csr-advisor-csr-1115,23224 The CSR Advisor en 2015-11-01 The CSR Advisor (CSR 11/15) https://spcpub.com/stories/the-csr-advisor-csr-1215,23225 The CSR Advisor en 2015-12-01 The CSR Advisor (CSR 12/15) https://spcpub.com/stories/the-csr-advisor-csr-116,23226 The CSR Advisor en 2016-01-01 The CSR Advisor (CSR 1/16) https://spcpub.com/stories/the-csr-advisor-csr-216,23227 The CSR Advisor en 2016-02-01 The CSR Advisor (CSR 2/16) https://spcpub.com/stories/the-csr-advisor-csr-316,23228 The CSR Advisor en 2016-03-01 The CSR Advisor (CSR 3/16) https://spcpub.com/stories/the-csr-advisor-csr-416,23229 The CSR Advisor en 2016-04-01 The CSR Advisor (CSR 4/16) https://spcpub.com/stories/the-csr-advisor-csr-516,23230 The CSR Advisor en 2016-05-01 The CSR Advisor (CSR 5/16) https://spcpub.com/stories/the-csr-advisor-csr-616,23231 The CSR Advisor en 2016-06-01 The CSR Advisor (CSR 6/16) https://spcpub.com/stories/the-csr-advisor-csr-716,23232 The CSR Advisor en 2016-07-01 The CSR Advisor (CSR 7/16) https://spcpub.com/stories/the-csr-advisor-csr-816,23233 The CSR Advisor en 2016-08-01 The CSR Advisor (CSR 8/16) https://spcpub.com/stories/the-csr-advisor-csr-916,23234 The CSR Advisor en 2016-09-01 The CSR Advisor (CSR 9/16) https://spcpub.com/stories/the-csr-advisor-csr-1016,23235 The CSR Advisor en 2016-10-01 The CSR Advisor (CSR 10/16) https://spcpub.com/stories/the-csr-advisor-csr-1116,23236 The CSR Advisor en 2016-11-01 The CSR Advisor (CSR 11/16) https://spcpub.com/stories/the-csr-advisor-csr-1216,23237 The CSR Advisor en 2016-12-01 The CSR Advisor (CSR 12/16) https://spcpub.com/stories/the-csr-advisor-csr-117,23238 The CSR Advisor en 2017-01-01 The CSR Advisor (CSR 1/17) https://spcpub.com/stories/the-csr-advisor-csr-217,23239 The CSR Advisor en 2017-02-01 The CSR Advisor (CSR 2/17) https://spcpub.com/stories/the-csr-advisor-csr-317,23240 The CSR Advisor en 2017-03-01 The CSR Advisor (CSR 3/17) https://spcpub.com/stories/the-csr-advisor-csr-417,23241 The CSR Advisor en 2017-04-01 The CSR Advisor (CSR 4/17) https://spcpub.com/stories/the-csr-advisor-csr-517,23242 The CSR Advisor en 2017-05-01 The CSR Advisor (CSR 5/17) https://spcpub.com/stories/the-csr-advisor-csr-617,23243 The CSR Advisor en 2017-06-01 The CSR Advisor (CSR 6/17) https://spcpub.com/stories/the-csr-advisor-csr-717,23244 The CSR Advisor en 2017-07-01 The CSR Advisor (CSR 7/17) https://spcpub.com/stories/the-csr-advisor-csr-817,23245 The CSR Advisor en 2017-08-01 The CSR Advisor (CSR 8/17) https://spcpub.com/stories/the-csr-advisor-csr-917,23246 The CSR Advisor en 2017-09-01 The CSR Advisor (CSR 9/17) https://spcpub.com/stories/the-csr-advisor-csr-1017,23247 The CSR Advisor en 2017-10-01 The CSR Advisor (CSR 10/17) https://spcpub.com/stories/the-csr-advisor-csr-1117,23248 The CSR Advisor en 2017-11-01 The CSR Advisor (CSR 11/17) https://spcpub.com/stories/the-csr-advisor-csr-1217,23249 The CSR Advisor en 2017-12-01 The CSR Advisor (CSR 12/17) https://spcpub.com/stories/the-csr-advisor-csr-118,23250 The CSR Advisor en 2018-01-01 The CSR Advisor (CSR 1/18) https://spcpub.com/stories/the-csr-advisor-csr-218,23251 The CSR Advisor en 2018-02-01 The CSR Advisor (CSR 2/18) https://spcpub.com/stories/the-csr-advisor-csr-318,23252 The CSR Advisor en 2018-03-01 The CSR Advisor (CSR 3/18) https://spcpub.com/stories/the-csr-advisor-csr-418,23253 The CSR Advisor en 2018-04-01 The CSR Advisor (CSR 4/18) https://spcpub.com/stories/the-csr-advisor-csr-518,23254 The CSR Advisor en 2018-05-01 The CSR Advisor (CSR 5/18) https://spcpub.com/stories/the-csr-advisor-csr-618,23255 The CSR Advisor en 2018-06-01 The CSR Advisor (CSR 6/18) https://spcpub.com/stories/the-csr-advisor-csr-718,23256 The CSR Advisor en 2018-07-01 The CSR Advisor (CSR 7/18) https://spcpub.com/stories/the-csr-advisor-csr-818,23257 The CSR Advisor en 2018-08-01 The CSR Advisor (CSR 8/18) https://spcpub.com/stories/the-csr-advisor-csr-918,23258 The CSR Advisor en 2018-09-01 The CSR Advisor (CSR 9/18) https://spcpub.com/stories/the-csr-advisor-csr-1018,23259 The CSR Advisor en 2018-10-01 The CSR Advisor (CSR 10/18) https://spcpub.com/stories/the-csr-advisor-csr-1118,23260 The CSR Advisor en 2018-11-01 The CSR Advisor (CSR 11/18) https://spcpub.com/stories/the-csr-advisor-csr-1218,23261 The CSR Advisor en 2018-12-01 The CSR Advisor (CSR 12/18) https://spcpub.com/stories/the-csr-advisor-csr-119,23262 The CSR Advisor en 2019-01-01 The CSR Advisor (CSR 1/19) https://spcpub.com/stories/the-csr-advisor-csr-219,23263 The CSR Advisor en 2019-02-01 The CSR Advisor (CSR 2/19) https://spcpub.com/stories/the-csr-advisor-csr-319,23264 The CSR Advisor en 2019-03-01 The CSR Advisor (CSR 3/19) https://spcpub.com/stories/the-csr-advisor-csr-419,23265 The CSR Advisor en 2019-04-01 The CSR Advisor (CSR 4/19) https://spcpub.com/stories/the-csr-advisor-csr-519,23266 The CSR Advisor en 2019-05-01 The CSR Advisor (CSR 5/19) https://spcpub.com/stories/the-csr-advisor-csr-619,23267 The CSR Advisor en 2019-06-01 The CSR Advisor (CSR 6/19) https://spcpub.com/stories/the-csr-advisor-csr-719,23268 The CSR Advisor en 2019-07-01 The CSR Advisor (CSR 7/19) https://spcpub.com/stories/the-csr-advisor-csr-0819,23269 The CSR Advisor en 2019-08-01 The CSR Advisor (CSR 08/19) https://spcpub.com/stories/the-csr-advisor-csr-0919,23270 The CSR Advisor en 2019-09-01 The CSR Advisor (CSR 09/19) https://spcpub.com/stories/the-csr-advisor-csr-1019,23271 The CSR Advisor en 2019-10-01 The CSR Advisor (CSR 10/19) https://spcpub.com/stories/the-csr-advisor-csr-1119,23272 The CSR Advisor en 2019-11-01 The CSR Advisor (CSR 11/19) https://spcpub.com/stories/the-csr-advisor-csr-1219,23273 The CSR Advisor en 2019-12-01 The CSR Advisor (CSR 12/19) https://spcpub.com/stories/the-csr-advisor-csr-0120,23274 The CSR Advisor en 2020-01-01 The CSR Advisor (CSR 01/20) https://spcpub.com/stories/the-csr-advisor-csr-0220,23275 The CSR Advisor en 2020-02-01 The CSR Advisor (CSR 02/20) https://spcpub.com/stories/the-csr-advisor-csr-0320,23276 The CSR Advisor en 2020-03-01 The CSR Advisor (CSR 03/20) https://spcpub.com/stories/the-csr-advisor-csr-0420,23277 The CSR Advisor en 2020-04-01 The CSR Advisor (CSR 04/20) https://spcpub.com/stories/the-csr-advisor-csr-0520,23278 The CSR Advisor en 2020-05-01 The CSR Advisor (CSR 05/20) https://spcpub.com/stories/the-csr-advisor-csr-0620,23279 The CSR Advisor en 2020-06-01 The CSR Advisor (CSR 06/20) https://spcpub.com/stories/the-csr-advisor-csr-0720,23280 The CSR Advisor en 2020-07-01 The CSR Advisor (CSR 07/20) https://spcpub.com/stories/the-csr-advisor-csr-0820,23281 The CSR Advisor en 2020-08-01 The CSR Advisor (CSR 08/20) https://spcpub.com/stories/the-csr-advisor-csr-0920,23282 The CSR Advisor en 2020-09-01 The CSR Advisor (CSR 09/20) https://spcpub.com/stories/the-csr-advisor-csr-1020,23283 The CSR Advisor en 2020-10-01 The CSR Advisor (CSR 10/20) https://spcpub.com/stories/the-csr-advisor-csr-1120,23284 The CSR Advisor en 2020-11-01 The CSR Advisor (CSR 11/20) https://spcpub.com/stories/the-csr-advisor-csr-1220,23285 The CSR Advisor en 2020-12-01 The CSR Advisor (CSR 12/20) https://spcpub.com/stories/the-csr-advisor-csr-0121,23286 The CSR Advisor en 2021-01-01 The CSR Advisor (CSR 01/21) https://spcpub.com/stories/the-csr-advisor-csr-0221,23287 The CSR Advisor en 2021-02-01 The CSR Advisor (CSR 02/21) https://spcpub.com/stories/the-csr-advisor-csr-0321,23288 The CSR Advisor en 2021-03-01 The CSR Advisor (CSR 03/21) https://spcpub.com/stories/the-csr-advisor-csr-0421,23289 The CSR Advisor en 2021-04-01 The CSR Advisor (CSR 04/21) https://spcpub.com/stories/the-csr-advisor-csr-0521,23290 The CSR Advisor en 2021-05-01 The CSR Advisor (CSR 05/21) https://spcpub.com/stories/the-csr-advisor-csr-0621,23291 The CSR Advisor en 2021-06-01 The CSR Advisor (CSR 06/21) https://spcpub.com/stories/the-csr-advisor-csr-0721,23292 The CSR Advisor en 2021-07-01 The CSR Advisor (CSR 07/21) https://spcpub.com/stories/the-csr-advisor-csr-1121,23296 The CSR Advisor en 2021-11-01 The CSR Advisor (CSR 11/21) https://spcpub.com/stories/the-csr-advisor-csr-1221,23297 The CSR Advisor en 2021-12-01 The CSR Advisor (CSR 12/21) https://spcpub.com/stories/the-csr-advisor-csr-0821,23293 The CSR Advisor en 2021-08-01 The CSR Advisor (CSR 08/21) https://spcpub.com/stories/the-csr-advisor-csr-0921,23294 The CSR Advisor en 2021-09-01 The CSR Advisor (CSR 09/21) https://spcpub.com/stories/the-csr-advisor-csr-1021,23295 The CSR Advisor en 2021-10-01 The CSR Advisor (CSR 10/21) https://spcpub.com/stories/the-csr-advisor-csr-0122,23298 The CSR Advisor en 2022-01-01 The CSR Advisor (CSR 01/22) https://spcpub.com/stories/the-csr-advisor-csr-0222,23299 The CSR Advisor en 2022-02-01 The CSR Advisor (CSR 02/22) https://spcpub.com/stories/the-csr-advisor-csr-0322,23300 The CSR Advisor en 2022-03-01 The CSR Advisor (CSR 03/22) https://spcpub.com/stories/the-csr-advisor-csr-0422,23301 The CSR Advisor en 2022-04-01 The CSR Advisor (CSR 04/22) https://spcpub.com/stories/the-csr-advisor-csr-0522,23302 The CSR Advisor en 2022-05-01 The CSR Advisor (CSR 05/22) https://spcpub.com/stories/the-csr-advisor-csr-0622,23303 The CSR Advisor en 2022-06-01 The CSR Advisor (CSR 06/22) https://spcpub.com/stories/the-csr-advisor-csr-0722,23304 The CSR Advisor en 2022-07-01 The CSR Advisor (CSR 07/22) https://spcpub.com/stories/the-csr-advisor-csr-0822,23305 The CSR Advisor en 2022-08-01 The CSR Advisor (CSR 08/22) https://spcpub.com/stories/the-csr-advisor-csr-0922,23306 The CSR Advisor en 2022-09-01 The CSR Advisor (CSR 09/22) https://spcpub.com/stories/the-csr-advisor-csr-1022,23307 The CSR Advisor en 2022-10-01 The CSR Advisor (CSR 10/22) https://spcpub.com/stories/the-csr-advisor-csr-1122,23308 The CSR Advisor en 2022-11-01 The CSR Advisor (CSR 11/22) https://spcpub.com/stories/the-csr-advisor-csr-1222,23309 The CSR Advisor en 2022-12-01 The CSR Advisor (CSR 12/22) https://spcpub.com/stories/the-csr-advisor-csr-0123,23310 The CSR Advisor en 2023-01-01 The CSR Advisor (CSR 01/23) https://spcpub.com/stories/the-csr-advisor-csr-0223,23311 The CSR Advisor en 2023-02-01 The CSR Advisor (CSR 02/23) https://spcpub.com/stories/the-csr-advisor-csr-0323,23312 The CSR Advisor en 2023-03-01 The CSR Advisor (CSR 03/23) https://spcpub.com/stories/the-csr-advisor-csr-0423,23313 The CSR Advisor en 2023-04-01 The CSR Advisor (CSR 04/23) https://spcpub.com/stories/the-csr-advisor-csr-0523,23314 The CSR Advisor en 2023-05-01 The CSR Advisor (CSR 05/23) https://spcpub.com/stories/the-csr-advisor-csr-0623,23315 The CSR Advisor en 2023-06-01 The CSR Advisor (CSR 06/23) https://spcpub.com/stories/the-csr-advisor-csr-0723,23316 The CSR Advisor en 2023-07-01 The CSR Advisor (CSR 07/23) https://spcpub.com/stories/the-csr-advisor-csr-0823,23317 The CSR Advisor en 2023-08-01 The CSR Advisor (CSR 08/23) https://spcpub.com/stories/the-csr-advisor-csr-0923,23318 The CSR Advisor en 2023-09-01 The CSR Advisor (CSR 09/23) https://spcpub.com/stories/the-csr-advisor-csr-1023,23319 The CSR Advisor en 2023-10-01 The CSR Advisor (CSR 10/23) https://spcpub.com/stories/the-csr-advisor-csr-1123,23320 The CSR Advisor en 2023-11-01 The CSR Advisor (CSR 11/23) https://spcpub.com/stories/the-csr-advisor-csr-1223,23321 The CSR Advisor en 2023-12-01 The CSR Advisor (CSR 12/23) https://spcpub.com/stories/the-csr-advisor-csr-0124,23322 The CSR Advisor en 2024-01-01 The CSR Advisor (CSR 01/24) https://spcpub.com/stories/the-csr-advisor-csr-0224,23323 The CSR Advisor en 2024-02-01 The CSR Advisor (CSR 02/24) https://spcpub.com/stories/the-csr-advisor-csr-0324,23324 The CSR Advisor en 2024-03-01 The CSR Advisor (CSR 03/24) https://spcpub.com/stories/the-csr-advisor-csr-0424,23325 The CSR Advisor en 2024-04-01 The CSR Advisor (CSR 04/24) https://spcpub.com/stories/the-csr-advisor-csr-0524,23326 The CSR Advisor en 2024-05-01 The CSR Advisor (CSR 05/24) https://spcpub.com/stories/the-csr-advisor-csr-0624,23327 The CSR Advisor en 2024-06-01 The CSR Advisor (CSR 06/24) https://spcpub.com/stories/the-csr-advisor-csr-0724,23328 The CSR Advisor en 2024-07-01 The CSR Advisor (CSR 07/24) https://spcpub.com/stories/the-csr-advisor-csr-0824,23329 The CSR Advisor en 2024-08-01 The CSR Advisor (CSR 08/24) https://spcpub.com/stories/the-csr-advisor-csr-0924,23330 The CSR Advisor en 2024-09-01 The CSR Advisor (CSR 09/24) https://spcpub.com/stories/december-1969,5345 The CSR Advisor en 1969-12-31 December 1969 https://spcpub.com/stories/september-2025,2629 The CSR Advisor en 2025-09-01 September 2025 https://spcpub.com/stories/august-2006,5225 The CSR Advisor en 2006-08-01 August 2006 https://spcpub.com/stories/december-2006,5236 The CSR Advisor en 2006-12-01 December 2006 https://spcpub.com/stories/november-2006,5244 The CSR Advisor en 2006-11-01 November 2006 https://spcpub.com/stories/october-2006,5254 The CSR Advisor en 2006-10-01 October 2006 https://spcpub.com/stories/september-2006,5263 The CSR Advisor en 2006-09-01 September 2006 https://spcpub.com/stories/july-2006,5272 The CSR Advisor en 2006-07-01 July 2006 https://spcpub.com/stories/june-2006,5281 The CSR Advisor en 2006-06-01 June 2006 https://spcpub.com/stories/may-2006,5288 The CSR Advisor en 2006-05-01 May 2006 https://spcpub.com/stories/april-2006,5297 The CSR Advisor en 2006-04-01 April 2006 https://spcpub.com/stories/march-2006,5306 The CSR Advisor en 2006-03-01 March 2006 https://spcpub.com/stories/february-2006,5316 The CSR Advisor en 2006-02-01 February 2006 https://spcpub.com/stories/january-2006,5326 The CSR Advisor en 2006-01-01 January 2006 https://spcpub.com/stories/january-2007,5335 The CSR Advisor en 2007-01-01 January 2007 https://spcpub.com/stories/june-2007,7711 The CSR Advisor en 2007-06-01 June 2007 https://spcpub.com/stories/january-2008,5354 The CSR Advisor en 2008-01-01 January 2008 https://spcpub.com/stories/february-2008,5359 The CSR Advisor en 2008-02-01 February 2008 https://spcpub.com/stories/march-2008,5364 The CSR Advisor en 2008-03-01 March 2008 https://spcpub.com/stories/june-2008,5368 The CSR Advisor en 2008-06-01 June 2008 https://spcpub.com/stories/august-2008,5376 The CSR Advisor en 2008-08-01 August 2008 https://spcpub.com/stories/september-2008,5385 The CSR Advisor en 2008-09-01 September 2008 https://spcpub.com/stories/october-2008,5394 The CSR Advisor en 2008-10-01 October 2008 https://spcpub.com/stories/november-2008,5401 The CSR Advisor en 2008-11-01 November 2008 https://spcpub.com/stories/january-2009,5408 The CSR Advisor en 2009-01-01 January 2009 https://spcpub.com/stories/february-2009,5416 The CSR Advisor en 2009-02-01 February 2009 https://spcpub.com/stories/march-2009,5426 The CSR Advisor en 2009-03-01 March 2009 https://spcpub.com/stories/may-2009,7712 The CSR Advisor en 2009-05-01 May 2009 https://spcpub.com/stories/april-2009,5435 The CSR Advisor en 2009-04-01 April 2009 https://spcpub.com/stories/june-2009,5451 The CSR Advisor en 2009-06-01 June 2009 https://spcpub.com/stories/july-2009,5459 The CSR Advisor en 2009-07-01 July 2009 https://spcpub.com/stories/august-2009,5557 The CSR Advisor en 2009-08-01 August 2009 https://spcpub.com/stories/september-2009,5566 The CSR Advisor en 2009-09-01 September 2009 https://spcpub.com/stories/october-2009,5575 The CSR Advisor en 2009-10-01 October 2009 https://spcpub.com/stories/november-2009,5583 The CSR Advisor en 2009-11-01 November 2009 https://spcpub.com/stories/december-2009,5591 The CSR Advisor en 2009-12-01 December 2009 https://spcpub.com/stories/january-2010,7713 The CSR Advisor en 2010-01-01 January 2010 https://spcpub.com/stories/february-2010,5606 The CSR Advisor en 2010-02-01 February 2010 https://spcpub.com/stories/march-2010,5716 The CSR Advisor en 2010-03-01 March 2010 https://spcpub.com/stories/april-2010,5724 The CSR Advisor en 2010-04-01 April 2010 https://spcpub.com/stories/may-2010,5733 The CSR Advisor en 2010-05-01 May 2010 https://spcpub.com/stories/june-2010,5859 The CSR Advisor en 2010-06-01 June 2010 https://spcpub.com/stories/july-2010,5989 The CSR Advisor en 2010-07-01 July 2010 https://spcpub.com/stories/august-2010,5998 The CSR Advisor en 2010-08-01 August 2010 https://spcpub.com/stories/september-2010,6009 The CSR Advisor en 2010-09-01 September 2010 https://spcpub.com/stories/october-2010,6018 The CSR Advisor en 2010-10-01 October 2010 https://spcpub.com/stories/november-2010,6028 The CSR Advisor en 2010-11-01 November 2010 https://spcpub.com/stories/december-2010,6160 The CSR Advisor en 2010-12-01 December 2010 https://spcpub.com/stories/january-2011,6169 The CSR Advisor en 2011-01-01 January 2011 https://spcpub.com/stories/february-2011,6178 The CSR Advisor en 2011-02-01 February 2011 https://spcpub.com/stories/march-2011,6186 The CSR Advisor en 2011-03-01 March 2011 https://spcpub.com/stories/may-2011,6196 The CSR Advisor en 2011-05-01 May 2011 https://spcpub.com/stories/june-2011,6204 The CSR Advisor en 2011-06-01 June 2011 https://spcpub.com/stories/july-2011,6212 The CSR Advisor en 2011-07-01 July 2011 https://spcpub.com/stories/august-2011,6220 The CSR Advisor en 2011-08-01 August 2011 https://spcpub.com/stories/september-2011,6228 The CSR Advisor en 2011-09-01 September 2011 https://spcpub.com/stories/october-2011,6236 The CSR Advisor en 2011-10-01 October 2011 https://spcpub.com/stories/november-2011,6245 The CSR Advisor en 2011-11-01 November 2011 https://spcpub.com/stories/december-2011,6253 The CSR Advisor en 2011-12-01 December 2011 https://spcpub.com/stories/january-2012,6268 The CSR Advisor en 2012-01-01 January 2012 https://spcpub.com/stories/february-2012,6276 The CSR Advisor en 2012-02-01 February 2012 https://spcpub.com/stories/march-2012,6284 The CSR Advisor en 2012-03-01 March 2012 https://spcpub.com/stories/april-2012,6292 The CSR Advisor en 2012-04-01 April 2012 https://spcpub.com/stories/june-2012,6300 The CSR Advisor en 2012-06-01 June 2012 https://spcpub.com/stories/july-2012,6308 The CSR Advisor en 2012-07-01 July 2012 https://spcpub.com/stories/august-2012,6317 The CSR Advisor en 2012-08-01 August 2012 https://spcpub.com/stories/september-2012,6325 The CSR Advisor en 2012-09-01 September 2012 https://spcpub.com/stories/october-2012,6333 The CSR Advisor en 2012-10-01 October 2012 https://spcpub.com/stories/november-2012,6342 The CSR Advisor en 2012-11-01 November 2012 https://spcpub.com/stories/december-2012,6350 The CSR Advisor en 2012-12-01 December 2012 https://spcpub.com/stories/january-2013,6358 The CSR Advisor en 2013-01-01 January 2013 https://spcpub.com/stories/february-2013,6469 The CSR Advisor en 2013-02-01 February 2013 https://spcpub.com/stories/march-2013,6477 The CSR Advisor en 2013-03-01 March 2013 https://spcpub.com/stories/april-2013,6484 The CSR Advisor en 2013-04-01 April 2013 https://spcpub.com/stories/july-2013,6492 The CSR Advisor en 2013-07-01 July 2013 https://spcpub.com/stories/october-2013,6500 The CSR Advisor en 2013-10-01 October 2013 https://spcpub.com/stories/november-2013,6508 The CSR Advisor en 2013-11-01 November 2013 https://spcpub.com/stories/december-2013,6516 The CSR Advisor en 2013-12-01 December 2013 https://spcpub.com/stories/january-2014,6524 The CSR Advisor en 2014-01-01 January 2014 https://spcpub.com/stories/february-2014,6532 The CSR Advisor en 2014-02-01 February 2014 https://spcpub.com/stories/march-2014,6540 The CSR Advisor en 2014-03-01 March 2014 https://spcpub.com/stories/april-2014,6548 The CSR Advisor en 2014-04-01 April 2014 https://spcpub.com/stories/may-2014,6557 The CSR Advisor en 2014-05-01 May 2014 https://spcpub.com/stories/january-2017,6565 The CSR Advisor en 2017-01-01 January 2017 https://spcpub.com/stories/may-2018,6573 The CSR Advisor en 2018-05-01 May 2018 https://spcpub.com/stories/june-2018,6582 The CSR Advisor en 2018-06-01 June 2018 https://spcpub.com/stories/july-2018,6590 The CSR Advisor en 2018-07-01 July 2018 https://spcpub.com/stories/august-2018,6598 The CSR Advisor en 2018-08-01 August 2018 https://spcpub.com/stories/september-2018,6606 The CSR Advisor en 2018-09-01 September 2018 https://spcpub.com/stories/october-2018,6614 The CSR Advisor en 2018-10-01 October 2018 https://spcpub.com/stories/november-2018,6623 The CSR Advisor en 2018-11-01 November 2018 https://spcpub.com/stories/december-2018,6630 The CSR Advisor en 2018-12-01 December 2018 https://spcpub.com/stories/january-2019,6639 The CSR Advisor en 2019-01-01 January 2019 https://spcpub.com/stories/february-2019,7714 The CSR Advisor en 2019-02-01 February 2019 https://spcpub.com/stories/march-2019,6655 The CSR Advisor en 2019-03-01 March 2019 https://spcpub.com/stories/april-2019,6664 The CSR Advisor en 2019-04-01 April 2019 https://spcpub.com/stories/may-2019,6674 The CSR Advisor en 2019-05-01 May 2019 https://spcpub.com/stories/june-2019,6683 The CSR Advisor en 2019-06-01 June 2019 https://spcpub.com/stories/july-2019,6693 The CSR Advisor en 2019-07-01 July 2019 https://spcpub.com/stories/august-2019,6702 The CSR Advisor en 2019-08-01 August 2019 https://spcpub.com/stories/september-2019,6717 The CSR Advisor en 2019-09-01 September 2019 https://spcpub.com/stories/october-2019,6726 The CSR Advisor en 2019-10-01 October 2019 https://spcpub.com/stories/november-2019,6735 The CSR Advisor en 2019-11-01 November 2019 https://spcpub.com/stories/december-2019,6744 The CSR Advisor en 2019-12-01 December 2019 https://spcpub.com/stories/january-2020,6757 The CSR Advisor en 2020-01-01 January 2020 https://spcpub.com/stories/february-2020,6766 The CSR Advisor en 2020-02-01 February 2020 https://spcpub.com/stories/march-2020,6776 The CSR Advisor en 2020-03-01 March 2020 https://spcpub.com/stories/april-2020,6784 The CSR Advisor en 2020-04-01 April 2020 https://spcpub.com/stories/may-2020,6794 The CSR Advisor en 2020-05-01 May 2020 https://spcpub.com/stories/june-2020,6803 The CSR Advisor en 2020-06-01 June 2020 https://spcpub.com/stories/july-2020,6813 The CSR Advisor en 2020-07-01 July 2020 https://spcpub.com/stories/august-2020,6821 The CSR Advisor en 2020-08-01 August 2020 https://spcpub.com/stories/september-2020,6829 The CSR Advisor en 2020-09-01 September 2020 https://spcpub.com/stories/october-2020,6838 The CSR Advisor en 2020-10-01 October 2020 https://spcpub.com/stories/november-2020,6846 The CSR Advisor en 2020-11-01 November 2020 https://spcpub.com/stories/december-2020,6855 The CSR Advisor en 2020-12-01 December 2020 https://spcpub.com/stories/january-2021,6863 The CSR Advisor en 2021-01-01 January 2021 https://spcpub.com/stories/february-2021,6871 The CSR Advisor en 2021-02-01 February 2021 https://spcpub.com/stories/march-2021,6879 The CSR Advisor en 2021-03-01 March 2021 https://spcpub.com/stories/april-2021,6887 The CSR Advisor en 2021-04-01 April 2021 https://spcpub.com/stories/may-2021,6895 The CSR Advisor en 2021-05-01 May 2021 https://spcpub.com/stories/june-2021,6904 The CSR Advisor en 2021-06-01 June 2021 https://spcpub.com/stories/july-2021,6912 The CSR Advisor en 2021-07-01 July 2021 https://spcpub.com/stories/august-2021,6921 The CSR Advisor en 2021-08-01 August 2021 https://spcpub.com/stories/september-2021,6930 The CSR Advisor en 2021-09-01 September 2021 https://spcpub.com/stories/october-2021,6943 The CSR Advisor en 2021-10-01 October 2021 https://spcpub.com/stories/november-2021,6953 The CSR Advisor en 2021-11-01 November 2021 https://spcpub.com/stories/december-2021,6961 The CSR Advisor en 2021-12-01 December 2021 https://spcpub.com/stories/january-2022,6969 The CSR Advisor en 2022-01-01 January 2022 https://spcpub.com/stories/february-2022,6977 The CSR Advisor en 2022-02-01 February 2022 https://spcpub.com/stories/march-2022,6985 The CSR Advisor en 2022-03-01 March 2022 https://spcpub.com/stories/april-2022,6995 The CSR Advisor en 2022-04-01 April 2022 https://spcpub.com/stories/may-2022,7003 The CSR Advisor en 2022-05-01 May 2022 https://spcpub.com/stories/june-2022,7012 The CSR Advisor en 2022-06-01 June 2022 https://spcpub.com/stories/july-2022,7021 The CSR Advisor en 2022-07-01 July 2022 https://spcpub.com/stories/august-2022,7031 The CSR Advisor en 2022-08-01 August 2022 https://spcpub.com/stories/september-2022,7039 The CSR Advisor en 2022-09-01 September 2022 https://spcpub.com/stories/october-2022,7048 The CSR Advisor en 2022-10-01 October 2022 https://spcpub.com/stories/november-2022,7058 The CSR Advisor en 2022-11-01 November 2022 https://spcpub.com/stories/december-2022,7715 The CSR Advisor en 2022-12-01 December 2022 https://spcpub.com/stories/january-2023,7075 The CSR Advisor en 2023-01-01 January 2023 https://spcpub.com/stories/february-2023,7082 The CSR Advisor en 2023-02-01 February 2023 https://spcpub.com/stories/march-2023,7090 The CSR Advisor en 2023-03-01 March 2023 https://spcpub.com/stories/april-2023,7099 The CSR Advisor en 2023-04-01 April 2023 https://spcpub.com/stories/may-2023,7108 The CSR Advisor en 2023-05-01 May 2023 https://spcpub.com/stories/june-2023,7116 The CSR Advisor en 2023-06-01 June 2023 https://spcpub.com/stories/july-2023,7125 The CSR Advisor en 2023-07-01 July 2023 https://spcpub.com/stories/august-2023,7132 The CSR Advisor en 2023-08-01 August 2023 https://spcpub.com/stories/september-2023,7139 The CSR Advisor en 2023-09-01 September 2023 https://spcpub.com/stories/october-2023,7147 The CSR Advisor en 2023-10-01 October 2023 https://spcpub.com/stories/november-2023,7156 The CSR Advisor en 2023-11-01 November 2023 https://spcpub.com/stories/december-2023,7167 The CSR Advisor en 2023-12-01 December 2023 https://spcpub.com/stories/january-2024,7175 The CSR Advisor en 2024-01-01 January 2024 https://spcpub.com/stories/february-2024,7186 The CSR Advisor en 2024-02-01 February 2024 https://spcpub.com/stories/march-2024,7195 The CSR Advisor en 2024-03-01 March 2024 https://spcpub.com/stories/april-2024,7204 The CSR Advisor en 2024-04-01 April 2024 https://spcpub.com/stories/may-2024,7213 The CSR Advisor en 2024-05-01 May 2024 https://spcpub.com/stories/june-2024,7716 The CSR Advisor en 2024-06-01 June 2024 https://spcpub.com/stories/july-2024,7231 The CSR Advisor en 2024-07-01 July 2024 https://spcpub.com/stories/august-2024,7241 The CSR Advisor en 2024-08-01 August 2024 https://spcpub.com/stories/september-2024,7249 The CSR Advisor en 2024-09-01 September 2024 https://spcpub.com/stories/october-2024,7257 The CSR Advisor en 2024-10-01 October 2024 https://spcpub.com/stories/november-2024,7265 The CSR Advisor en 2024-11-01 November 2024 https://spcpub.com/stories/december-2024,7274 The CSR Advisor en 2024-12-01 December 2024 https://spcpub.com/stories/january-2025,7283 The CSR Advisor en 2025-01-01 January 2025 https://spcpub.com/stories/february-2025,7292 The CSR Advisor en 2025-02-01 February 2025 https://spcpub.com/stories/march-2025,7299 The CSR Advisor en 2025-03-01 March 2025 https://spcpub.com/stories/april-2025,7307 The CSR Advisor en 2025-04-01 April 2025 https://spcpub.com/stories/may-2025,2625 The CSR Advisor en 2025-05-01 May 2025 https://spcpub.com/stories/june-2025,2626 The CSR Advisor en 2025-06-01 June 2025 https://spcpub.com/stories/july-2025,2627 The CSR Advisor en 2025-07-01 July 2025 https://spcpub.com/stories/august-2025,2628 The CSR Advisor en 2025-08-01 August 2025 https://spcpub.com/stories/pia-ct-2025,7510 The CSR Advisor en 2025-03-29 PIA CT Convention 2025 https://spcpub.com/stories/the-csr-advisor-1025,16688 The CSR Advisor en 2025-10-01 The CSR Advisor (10/25) https://spcpub.com/stories/the-csr-advisor-1225,15017 The CSR Advisor en 2025-12-22 The CSR Advisor (12/25) https://spcpub.com/stories/the-csr-advisor-1125,16712 The CSR Advisor en 2025-11-01 The CSR Advisor (11/25) https://spcpub.com/stories/the-csr-advisor-0126,20355 The CSR Advisor en 2026-01-01 The CSR Advisor (01/26) https://spcpub.com/stories/the-csr-advisor-0226,21338 The CSR Advisor en 2026-01-30 The CSR Advisor (02/26) https://spcpub.com/stories/the-csr-advisor-csr-0925,23113 The CSR Advisor en 2025-09-01 The CSR Advisor (CSR 09/25) https://spcpub.com/stories/the-csr-advisor-csr-1024,23331 The CSR Advisor en 2024-10-01 The CSR Advisor (CSR 10/24) https://spcpub.com/stories/the-csr-advisor-csr-1124,23332 The CSR Advisor en 2024-11-01 The CSR Advisor (CSR 11/24) https://spcpub.com/stories/the-csr-advisor-csr-1224,23333 The CSR Advisor en 2024-12-01 The CSR Advisor (CSR 12/24) https://spcpub.com/stories/the-csr-advisor-csr-0125,23334 The CSR Advisor en 2025-01-01 The CSR Advisor (CSR 01/25) https://spcpub.com/stories/the-csr-advisor-csr-0225,23335 The CSR Advisor en 2025-02-01 The CSR Advisor (CSR 02/25) https://spcpub.com/stories/the-csr-advisor-csr-0325,23336 The CSR Advisor en 2025-03-01 The CSR Advisor (CSR 03/25) https://spcpub.com/stories/the-csr-advisor-csr-0425,23337 The CSR Advisor en 2025-04-01 The CSR Advisor (CSR 04/25) https://spcpub.com/stories/the-csr-advisor-csr-0525,23338 The CSR 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